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ICICI Bank Emeralde Private Metal Credit Card
ICICI's invite-only flagship metal card, sitting above the regular Emeralde — unlimited lounge and golf access for both primary and add-on cardholders, a 24/7 dedicated concierge, and a 3% base reward rate that's strong even by super-premium standards. It's reachable only through ICICI Wealth Management or a relationship manager rather than a direct application, positioning it as the bank's answer to invite-only flagship cards from other issuers.
Annual fee
₹12,499
Joining fee
₹12,499
Reward type
points
Base reward rate
3%
Card network
Visa
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 800+ whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: Complimentary Taj Epicure Plus and EazyDiner Prime memberships
- Rewards rate: 3% base rate
- Travel: 24/7 dedicated concierge for travel, dining and event bookings
- Domestic lounge access: Unlimited domestic airport lounge access for primary and add-on cardholders
- International lounge access: Unlimited international lounge access for primary and add-on cardholders
- Golf: Unlimited complimentary golf rounds every month
- Insurance benefits: ₹3 crore air accident cover on card-purchased tickets
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
2% forex markup on international transactions
Eligibility
- Minimum credit score: 800
- Minimum monthly income: ₹2,50,000
- Employment: salaried, self-employed
- Age: 21–70
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹10,00,000
- Rewards redemption fee: Free for redemption as statement credit or ICICI's own reward catalogue vouchers; ₹99 + GST per redemption request for select third-party gift/merchandise catalogue items
- Foreign currency markup: 2%
- Interest rate: 40.8% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
- Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST
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 and international lounge access for primary and add-on cards
- + Unlimited complimentary golf rounds every month, with no monthly cap
- + Welcome bonus (12,500 points plus Taj Epicure Plus and EazyDiner Prime memberships) largely offsets the joining fee
- + Strong 3% base reward rate, well above the regular Emeralde
- + 2% forex markup is competitive for a super-premium card
Cons
- − Invite-only — not open to direct applications
- − Very high income bar (₹2.5L/month) even by super-premium standards
- − High ₹12,500 fee needs ₹10L/year spend to waive
Best for
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