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ICICI Bank Emeralde Private Metal Credit Card

ICICI Bank Emeralde Private Metal Credit Card

ICICI Bank

4.7

Expert Rating

fuelgroceryrestaurantse-commercetravel
Annual Fee

₹12,499

Welcome Bonus

12,500 bonus reward

Lounge Access

0 visits/year

Forex Fee

2%

Contents

Overview

A super-premium metal credit card designed for high-net-worth customers. It combines luxury lifestyle memberships, unlimited airport lounge access and premium concierge services. Ideal for frequent travellers and those who value exclusive hospitality and dining privileges.

What Makes This Card Unique

Taj Epicure Membership

Complimentary Taj Epicure membership with select benefits

Hotel discounts, limited free night stay offer

Exclusive hospitality benefits vs standard cards

Unlimited Golf Access

Unlimited complimentary golf rounds/lessons via Golftripz

Premium lifestyle access

Rare among mainstream premium cards

Rewards Structure

base

Reward Rate:

base

Reward Rate:

base

Reward Rate:

Spending Milestones

Annual Spend Voucher

₹400,000

EaseMyTrip vouchers worth ₹3,000

Higher Annual Spend Voucher

₹800,000

EaseMyTrip vouchers worth additional ₹3,000 (total ₹6,000)

Fees & Charges Overview

Basic Fees

Joining Fee₹12,499
Annual Fee₹12,499
Forex Fee2%

Transaction Fees

Cash Advance3.75%
Late Payment₹1300
Over Limit₹500

Other Charges

Returned Payment₹350
Cash Withdrawal4%

Fee Waiver Conditions

Annual fee credited or waived on meeting the issuer's specified annual spend threshold (see T&Cs).

Detailed Fee Structure

Fee TypeAmountFrequencyConditions
Joining Fee12499one-timePayable at issuance; see T&Cs
Annual Fee12499yearlyWaived on meeting issuer spend threshold (refer to ICICI T&Cs)
Forex Markup2%transactionApplies on international transactions

Lounge Access Benefits

domestic Lounges

silver

Visits per year: 0

Guest access: Yes

Unlimited domestic lounge access for primary and plus cardholders; present card at lounge.

international Lounges

silver

Visits per year: 0

Guest access: Yes

Priority Pass membership provided; see Priority Pass list for participating lounges.

Insurance Coverage

Air Accident Insurance

₹3,00,00,000

Valid when ticket purchased with card and as per T&Cs

Purchase Protection

Varies

Subject to T&Cs and redemption rules

Additional Features

Contactless Payments

Tap to pay enabled

Concierge Service

24x7 iAssist concierge for travel, dining and bookings

Call the listed concierge number; service subject to T&Cs

Application Process

Step-by-Step Process

1

Contact your Relationship Manager or invitation link

2

Provide KYC and income proof as requested

3

Verification by the bank and agreement to T&Cs

4

Card issued and dispatched after processing

Processing Time

Invitation and onboarding timelines vary; card dispatch typically within 7 business days after approval.

Application Features

Online Application: Not Available

Instant Approval: Not Available

Required Documents

ID Proof

all

Accepted documents:

PAN Aadhaar

Address Proof

all

Accepted documents:

Passport Utility Bill

Income Proof

salaried

Accepted documents:

Payslip Form 16

Merchant Acceptance Network

Domestic Acceptance

Wide coverage across India

International Acceptance

Accepted globally where Mastercard is accepted

Online Acceptance

Yes

Payment Technologies

Contactless PaymentsSupported

Mobile Wallet Support:

Google PayPhone PayPaytmApple PaySamsung PayAmezon Pay

Excluded Merchants

crypto exchangesgambling

Eligibility Criteria

Basic Requirements

Minimum Age21 years
CitizenshipIndian resident
Min Credit Score750

Income Requirements

Salaried₹100,000
Self-Employed₹150,000

Occupation Types:

Additional Conditions

Invite-only card; Relationship Manager contact often required. Valid PAN and KYC documents needed.

Approval Criteria

  • Invite-only eligibility via Relationship Manager
  • High annual income / HNI profile
  • Credit profile acceptable to issuer

Frequently Asked Questions

Pros

  • Generous welcome points and annual points on renewal
  • Extensive lounge and lifestyle privileges
  • Strong concierge and travel benefits

✗Cons

  • ✗High joining and annual fees
  • ✗Invite-only eligibility limits availability for many users

ICICI Bank Emeralde Private Metal Credit Card

₹12,499 Annual Fee •Invitation and onboarding timelines vary; card dispatch typically within 7 business days after approval.

4.7

Expert Rating