ICICI Bank Emeralde Private Metal Credit Card
ICICI · VISA★ 4.5/ 5
✓ Details last verified 1 Jan 2026
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Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹12,499 in vouchers, points or cashback on card activation
6% on Travel
6 reward points per ₹100 on travel; transferable to airline miles
6% on International
6 reward points per ₹100 on international spends
Airport Lounge Access
Unlimited Priority Pass — domestic + international lounge access, no visit cap
Annual Fee Waiver
Fee of ₹12,499/yr fully waived when you spend ₹10,00,000/year
Golf Privileges
Complimentary golf rounds at select courses across India
24x7 Concierge
24/7 Emeralde concierge for travel, dining, event access
Insurance Cover
Comprehensive travel insurance and purchase protection
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
₹6,000
Golf perk value
- 24x7 lifestyle and travel concierge
- Complimentary golf access at premium courses
- Travel insurance and accident cover
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
Unlimited visits
Domestic lounges
Priority Pass
International lounges
₹15,000
Estimated annual value
1.5%
Forex markup
3.0%
Travel reward rate
- Domestic + international airport lounge access (worth ~₹15,000/yr)
- 3.0% effective return on travel bookings
- Low forex markup: 1.5%
- Travel insurance cover included
ICICI Emeralde Private Metal is ICICI's 2023 flagship metal card — a step above the classic Emeralde. 6 reward points per ₹100 on all spends (1.5% base value; transferable to airline miles for higher returns), unlimited Priority Pass, golf access, concierge, and a reduced 1.5% forex markup. Annual fee of ₹12,499 waived at ₹10L spend.
Who is this for?
ICICI's top banking customers and high-net-worth professionals who want a premium metal card with airline mile transfer flexibility. The ICICI points-to-miles transfer makes this card attractive for those who accumulate miles across multiple programmes.
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 |
|---|---|---|---|
| Travel | reward points | 6% | — |
| International | reward points | 6% | — |
| Dining | reward points | 6% | — |
| Other | reward points | 6% | — |
Travel: 6 reward points per ₹100 on travel; transferable to airline miles
International: 6 reward points per ₹100 on international spends
Dining: 6 reward points per ₹100 on dining
Other: 6 reward points per ₹100 on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
Unlimited Priority Pass — domestic + international lounge access, no visit cap
Complimentary golf rounds at select courses across India
24/7 Emeralde concierge for travel, dining, event access
Comprehensive travel insurance and purchase protection
Should you get it?
- Best for: ICICI banking customers wanting HDFC Infinia Metal equivalent on the ICICI side, Miles collectors targeting IndiGo, Air India, or international partner programmes, High-net-worth users who travel internationally and want low forex markup
- Super Premium tier — built for high spenders who want top-end perks.
- Strongest value if you spend heavily on Travel (6% back).
- Frequent travellers benefit from the included airport lounge access.
Pros
- 6 ICICI reward points per ₹100 on all eligible spends
- Transferable to airline miles programmes for higher redemption value
- Unlimited Priority Pass — no visit cap on international lounge access
- Reduced 1.5% forex markup — lower than standard ICICI 3.5%
- Metal card with strong brand presence at airports and premium venues
Cons
- Base point value (25p/point) gives only 1.5% without airline transfer
- ₹12,499 annual fee with ₹10L spend waiver requirement
- Requires high credit and income profile — not easily accessible
Eligibility & documents
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
Base point value at 25p/point gives only 1.5% effective rate — you need to use the airline transfer partners to unlock the real value. Not for those who prefer straightforward cashback or statement credit.
Bottomline
CardAdvisor Rating: 4.5 / 5Emeralde Private Metal is ICICI's answer to HDFC Infinia Metal — competitive on earning rate and lounge access, with the advantage of airline mile transfers for those who know how to extract maximum value from miles programmes.
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 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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