Emeralde Private Metal Credit Card
ICICI Bank
Last updated: Oct 28, 2025
₹12,499
₹12,499
2%
No lounge access
Contents
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.
Features of Emeralde Private Metal Credit Card which makes it 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 of Emeralde Private Metal Credit Card
Milestones of Emeralde Private Metal Credit Card
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 of Emeralde Private Metal Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹12,499 |
| Annual Fee | ₹12,499 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 3.75% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 4% |
Renewal Conditions:Annual fee credited or waived on meeting the issuer's specified annual spend threshold (see T&Cs).
Fee Explanation Standard bank rates and charges apply for overdue amounts and cash transactions; refer to issuer T&Cs.
Detailed Explanation of Emeralde Private Metal Credit Card Fees
Joining Fee: 12499 (one-time)
Payable at issuance; see T&Cs
Annual Fee: 12499 (yearly)
Waived on meeting issuer spend threshold (refer to ICICI T&Cs)
Forex Markup: 2% (transaction)
Applies on international transactions
Lounge Access Benefits with Emeralde Private Metal Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: Yes
Unlimited domestic lounge access for primary and plus cardholders; present card at lounge.
international Lounges
silverVisits per year: 0
Guest access: Yes
Priority Pass membership provided; see Priority Pass list for participating lounges.
Insurance Coverage with Emeralde Private Metal Credit Card
Air Accident Insurance
₹3,00,00,000Valid when ticket purchased with card and as per T&Cs
Purchase Protection
VariesSubject to T&Cs and redemption rules
Additional Features of Emeralde Private Metal Credit Card
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
Welcome Bonus with Emeralde Private Metal Credit Card
Welcome Bonus: 12,500 bonus reward
Bonus Conditions: Awarded on payment of joining or renewal fee. Invite-only card; subject to ICICI terms and conditions.
Application Process for Emeralde Private Metal Credit Card
Processing Time
Invitation and onboarding timelines vary; card dispatch typically within 7 business days after approval.
Online Application
Not Available
Instant Approval
Not Available
Step-by-Step Process
Contact your Relationship Manager or invitation link
Provide KYC and income proof as requested
Verification by the bank and agreement to T&Cs
Card issued and dispatched after processing
Required Documents for Emeralde Private Metal Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Emeralde Private Metal Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Mastercard is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Emeralde Private Metal Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian resident
Income Requirements
Salaried Applicants
₹100,000
Minimum annual income
Self-Employed Applicants
₹150,000
Minimum annual income
Who Can Apply
Important Conditions
- Invite-only card; Relationship Manager contact often required. Valid PAN and KYC documents needed.
How Approval Is Decided
- Invite-only eligibility via Relationship Manager
- High annual income / HNI profile
- Credit profile acceptable to issuer
Pros of Emeralde Private Metal Credit Card
- Generous welcome points and annual points on renewal
- Extensive lounge and lifestyle privileges
- Strong concierge and travel benefits
Cons of Emeralde Private Metal Credit Card
- High joining and annual fees
- Invite-only eligibility limits availability for many users
Frequently Asked Questions about Emeralde Private Metal Credit Card
Are there any category caps on rewards?
Yes. Certain categories like grocery, utilities and education have caps (for example, max 1,000 RP per category per statement); insurance has a higher cap.
Is there a joining fee for the Emeralde Private Metal Credit Card?
Yes. The joining fee is ₹12,499 + GST.
What is the annual fee and can it be waived?
Annual fee is ₹12,499 + GST. It may be waived on meeting the issuer's specified annual spend threshold; see ICICI terms.
What is the welcome benefit for new and renewing cardholders?
Cardholders receive 12,500 bonus reward points on card activation and annually on renewal after payment of the joining/renewal fee.
How many lounges can I access with this card?
The card provides unlimited domestic and international lounge access through Priority Pass and issuer arrangements; check the lounge list for participating locations.
Who is eligible for this card?
This is an invite-only card for high-net-worth customers; contact your Relationship Manager for eligibility and application.
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