1st Year Fee: ₹12,499* Plus Applicable Taxes
Reward Rate
3% value-back across all spending categories
Lounge Access
Unlimited domestic & international access
Hotel Benefit
Complimentary Taj Epicure membership
Author: Megha Khanna
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ICICI Bank Emeralde Private Metal credit card is an invite-only premium credit card catering to high-income individuals. Offering 3% value-back across all spends, unlimited lounge access, unlimited golf rounds, movie and dining benefits,this card compliments the diverse needs of high-spenders.
While the card’s base reward rate may not be the most competitive among premium cards, consumers can leverage the reward acceleration offered on the iShop Platform to maximize travel value. Benefits like unlimited domestic and international lounge access, EaseMyTrip vouchers as milestone benefits, lower forex mark-up and trip cancellation insurance cover make it particularly appealing for frequent travellers. Notably, the unlimited lounge access extends to both primary and add-on members.
Another major advantage is the inclusion of insurance, education and utilities in the reward program, which are generally excluded from credit card reward programs, offering considerable saving opportunities. Emeralde Private Metal can be a rewarding all-rounder option for consumers who spend a significant amount on travel and lifestyle categories.
Note: This is an invite-only credit card. Content on this page is for information purpose only.
Rewards Program
Travel Benefits
Particulars | Amount |
---|---|
Joining Fee | Rs. 12,499 + Taxes |
Annual Fee | Rs. 12,499 + Taxes (reversed on spending Rs. 10 Lakh in the preceding year) |
Card Replacement Fee | Rs. 3,500 |
Finance Charges | 3.75% p.m. | 45% p.a. |
Cash Withdrawal Charges | Nil |
You are a high spender and would be able to maximise your reward accrual
You want all-round features rather than benefits focused on a particular category
You are a frequent traveller looking for benefits like cancellation cover, free lounge visits & travel insurance
You can reach the annual spends of Rs. 10 lakh to avail the annual fee reversal benefit
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Like most premium cards, the benefits on ICICI Emeralde Private Metal Card span multiple categories including shopping, travel, dining, movies, golf and more. With a 1:1 redemption ratio and accelerated earning through iShop, the card presents strong value for high-spenders and travellers. Lounge access, trip cancellation cover and low forex mark-up further enhance its travel appeal. However, the card still does not offer point-to-mile conversion – a key benefit on most premium cards – which could be a drawback for some users. Hence, this card is suited for those who spend significantly and are comfortable redeeming points for vouchers, products, etc.
Everything you need to know about this credit card
Taj Epicure membership is feature-loaded with perks like complimentary night stays, 25% off on F&B, 20% off on Qmin App orders, hotel spa & salon usage and discounted stays among other benefits.
You can avail up to 3 complimentary add-on cards with your ICICI Bank Emeralde Private Credit Card.
The card offers a redemption ratio of 1:1. You can redeem your accumulated rewards against flight and hotel vouchers for 1 reward point = Rs. 1. Additionally, you can get selected brand vouchers from Apple, Tanishq, Tumi, Coach, Brooks Brother, Emporio Armani, Jimmy Choo, G-Star Raw, Canali & Mother Care for 1 reward point = Rs. 1. Beyond these, you can redeem against the reward catalog for 1 reward point = Rs. 0.6 and Rs. 0.4 for redemption against statement balance.
The complimentary concierge service on the card is currently available only in selected cities- New Delhi, Mumbai, Bengaluru and Chennai.
In case of any queries or disputes, you can raise your concerns to ICICI Bank customer care at 1800 1080.
Click here to know More Terms and Conditions
Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.
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