ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank
ICICI's top invite-only metal card — unlimited lounges and golf for genuinely high spenders.
₹12,499
Joining fee
₹12,499, waived at ₹10L spend
Annual fee
Waived if annual spend exceeds Rs 10,00,000 (Rs 12,499 fee).
2%
Forex markup
4.6 / 5
Rating
Eligibility
Estimated minimum income: ₹2,50,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 780+
Estimated — not officially confirmed by the bank.
Age: 21–65
Distribution: invite-only, targeting high-income individuals — official page states applications are 'by invitation only, please get in touch with your Relationship Manager,' not openly available for direct application.
Lounge access
Unlimited domestic & international lounge visits
Domestic: unlimited for both primary and supplementary/add-on cardholders (broader than the standard Emeralde, which restricts this to the primary cardholder only)
International: unlimited via Priority Pass (1,900+ lounges, 145+ countries), also extended to add-on cardholders per aggregator
Key features
- Unlimited domestic & international lounge access
- Unlimited golf rounds/month
- 6 pts/₹200 retail
- 2 EaseMyTrip vouchers (₹6,000) at ₹8L annual spend
Reward details
6 points per Rs 200 retail spend (official)
Welcome bonus: Taj Epicure Plus membership, EazyDiner Prime membership, 12,500 reward points — delivered within 45 business days of joining fee payment
Category caps
- Groceries/utilities/education: max 1,000 points/month
- Insurance payments: max 5,000 points
Redemption
Health & beauty, travel, shopping vouchers, home appliances, electronics, fashion; aggregator states a simplified '3% value-back across all spending categories' — discrepancy with official's category-capped structure, official treated as primary since it is the source of truth
Excluded from rewards: fuel
- Rs 6,000 in EaseMyTrip vouchers as milestone benefit; unlimited golf rounds/lessons monthly (broader than the standard Emeralde's 4-rounds/month cap); travel cancellation insurance up to Rs 12,000/year; 1% fuel surcharge waiver up to Rs 1,000/month
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Strong all-round benefits, flexible lounge access extended to add-on cardholders, solid insurance coverage — Paisabazaar
Complaints
- High annual fee of Rs 12,499; limited hotel-specific benefits relative to the fee; fuel transactions excluded from reward earning — Paisabazaar
Sources
- Official — fees, eligibility, forex, lounge, rewards
- Aggregator — rewards, sentiment