ICICI Bank Emeralde Private Metal Credit Card
ICICI · VISA★ 4.7/ 5
✓ Details last verified 1 Jan 2025
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Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹12,000 in vouchers, points or cashback on card activation
4% on International
4% equivalent on international
1.50% on Other
6X points on all spends
Airport Lounge Access
Unlimited domestic and international lounge access
Golf Privileges
12 complimentary golf rounds per year
24x7 Concierge
24x7 concierge and lifestyle management
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
12 rounds
Golf rounds/year
₹6,000
Golf perk value
- 24x7 lifestyle and travel concierge
- 12 complimentary golf rounds/year at partner courses
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
Unlimited visits
Domestic lounges
✓
International lounges
₹30,000
Estimated annual value
2%
Forex markup
- Domestic + international airport lounge access (worth ~₹30,000/yr)
- Low forex markup: 2.0%
Sundar is an ICICI private banking customer spending ₹15L+ annually. ICICI Emeralde gives unlimited domestic and international lounge access via Priority Pass and ICICI's own network, Taj InnerCircle Gold membership (free room nights worth ₹20,000), 12 golf rounds, and 6X PAYBACK points on everything. The 2% forex markup makes it his primary card for international business travel.
Who is this for?
Reserved for ICICI Bank HNW clients with ₹25L+ in investments or a salary account with significant inflows. If you qualify, Emeralde's Taj partnership and unlimited international lounge are genuinely better than most Indian super-premium competitors.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹0.25 (up to ₹0.40 via best route). How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| International | reward points | 4% | — |
| Other | reward points | 1.50% | — |
International: 4% equivalent on international
Other: 6X points on all spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
Unlimited domestic and international lounge access
12 complimentary golf rounds per year
24x7 concierge and lifestyle management
Should you get it?
- Best for: ICICI private banking customer, Taj Hotels loyalist — Vivanta, SeleQtions, or Taj brand stays, International business traveller on ICICI relationship, Spends ₹10L+/year wanting a single super-premium card
- Super Premium tier — built for high spenders who want top-end perks.
- Strongest value if you spend heavily on International (4% back).
- Frequent travellers benefit from the included airport lounge access.
Pros
- Unlimited domestic + international Priority Pass lounge access
- Taj InnerCircle Gold membership — complimentary room upgrades and breakfast at Taj, SeleQtions, and Vivanta hotels
- 6X PAYBACK points on all spends
- 2% forex markup — a strong international card for ICICI HNW customers
Cons
- Available only to ICICI private banking or wealth management clients — not open market applicable
- ₹12,000 annual fee with no spend-based waiver
- Taj InnerCircle benefit only useful if you stay at Taj properties — Marriott or IHG loyalists gain nothing from it
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your icici reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
Higher value via iShop travel
The concern
Gated behind private-banking qualification and a ₹12,000 unwaivable fee — the perks are excellent but the entry rules exclude most readers.
Bottomline
CardAdvisor Rating: 4.7 / 5Emeralde rewards ICICI loyalty with a genuinely premium package — the Taj membership and unlimited international lounge stand up to any rival. If you qualify through ICICI wealth management, it merits a place alongside (not instead of) an Infinia.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the ICICI Bank Emeralde Private Metal Credit Card are taken from ICICI's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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