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ICICI Bank
ICICI Bank Emeralde Private Metal Credit Card
Visa
ICICI Bank Emeralde Private Metal Credit Card
ICICI's invite-only flagship metal card, sitting above the regular Emeralde — unlimited lounge and golf access plus a 24/7 concierge, but it's only reachable via ICICI Wealth Management or a relationship manager, not a direct application.
Rates and fees last verified 15 July 2026.
Annual fee
₹12,500
Joining fee
₹12,500
Reward type
points
Base reward rate
3%
Card network
Visa
Card tier
Super-premium
Benefits by category
- 🍽️ Dining & food delivery
24/7 dedicated concierge for travel, dining and event bookings
- ✈️ Travel
Unlimited domestic and international airport lounge access for primary and add-on cardholders
- 🛡️ Insurance
₹3 crore air accident cover (ticket purchased on card)
- 🧾 Utilities
1% reward rate
- 🌍 Forex / international spend
1.5% forex markup on international transactions
Eligibility
- Minimum credit score: 800
- Minimum monthly income: ₹2,50,000
- Employment: salaried, self-employed
- Age: 21–70
Benefits
- 12,500 reward points, complimentary Taj Epicure Plus membership and EazyDiner Prime membership on joining
- Unlimited domestic and international airport lounge access for primary and add-on cardholders
- Unlimited complimentary golf rounds every month
- 24/7 dedicated concierge for travel, dining and event bookings
- ₹3 crore air accident cover (ticket purchased on card)
Pros
- + Unlimited domestic + international lounge access for primary and add-on cards
- + Unlimited monthly golf rounds
- + Welcome bonus largely offsets the joining fee
Cons
- − Invite-only — not open to direct applications
- − Very high income bar even by super-premium standards
- − High fee needs ₹10L/year spend to waive