ICICI Bank
WorldElite · Emeralde Private Metal
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank
Ultra-premium metal card with industry-leading reward rates and exclusive privileges
Annual Fee
₹12,499
Joining Fee
₹12,499
Reward Rate
3.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹1,85,251
Total Annual Benefits
₹2,00,000
Total Annual Charges
₹14,749
ROI
1256%
Fee Waiver Available
Annual fee waived on spending ₹15 Lakh in the preceding year — ₹15,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Airport Lounge Access (2)
Unlimited Domestic Lounge Access
Unlimited complimentary domestic airport lounge visits
- • At participating lounges via Dreamfolks
Unlimited
₹1,00,000/yr
Unlimited International Lounge Access
Unlimited complimentary international airport lounge visits via Priority Pass
- • Priority Pass membership included
- • Guest access at $27 per visit
Unlimited
₹1,00,000/yr
Reward Points (1)
3% Reward Rate on All Spends
Earn 6 reward points per ₹200 on all domestic and international transactions (3% effective rate)
- • Industry-leading flat earn rate of 3% across all categories
6 RP per ₹200 (3%)
Golf Privileges (1)
Complimentary Golf Privileges
4 complimentary golf rounds per quarter at premium courses
- • At select premium golf courses in India
- • Advance booking required
4 rounds/quarter
₹80,000/yr
Concierge Services (1)
24/7 Global Concierge Services
Dedicated global concierge for travel, dining, entertainment, and lifestyle needs
- • Available 24/7 via phone, email, and app
Included
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
- • Valid on transactions ₹400–₹5,000
- • Max ₹500 per statement cycle
1% waiver
₹6,000/yr
Insurance Coverage (1)
Comprehensive Insurance Coverage
Up to ₹10 Crore air accident cover, ₹1 Crore overseas hospitalization, ₹20 Lakh credit liability
- • Covered via ICICI Lombard
- • Claims to be filed within 24 hours of incident
Up to ₹10 Crore
₹75,000/yr
Reward Program
Program
ICICI Reward Points
6 RP per ₹200 on all spends (3% effective rate)
Effective cashback: 3.00%
Points expire: 3 years from date of accrual
Redemption Options
- → Premium products & vouchers from ICICI Rewards Catalogue
- → Air miles conversion (domestic & international airlines)
- → Statement credit
- → Hotel and flight bookings
- → Charitable donations
- → Luxury experiences and events
Bonus Categories
All Spends
3x multiplier
6 RP per ₹200 on all domestic and international transactions
Milestone Bonuses
10,000 bonus reward points on spending ₹15 Lakh annually
Spend ₹15,00,000 annually
10,000 Reward Points
Additional 10,000 bonus reward points on spending ₹25 Lakh annually
Spend ₹25,00,000 annually
10,000 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹12,499 Plus GST |
| Annual Fee | ₹12,499 Plus GST |
| Add-on Card Fee | Free Free |
| Priority Pass Membership | Free Complimentary |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.25%
- Late Payment Fee
- ₹1,200
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹200
- Other Bank Withdrawal
- ₹200
- Intl. Withdrawal Fee
- 3.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹500/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹3,00,000
- Min. Annual Income
- ₹50,00,000
- Min. Credit Score
- 800
- Age Range
- 25 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹3 Lakh
- • Self-Employed: ITR > ₹50 Lakh p.a.
- • Age 25–60 (salaried), 25–65 (self-employed)
- • Invite-only for select ICICI Wealth Management clients
- • Available by invitation or on request for existing Emeralde cardholders
Invitation only
Insurance Coverage
Accidental Death
₹5.0 Cr
Permanent Disability
₹5.0 Cr
Travel Insurance
₹1.0 Cr
Lost Card Liability
₹20.0 L
Report within 24h
Air Accident Cover
₹10.0 Cr
Purchase Protection
₹10.0 L
120 days
- • Air accident cover: ₹10 Crore
- • Emergency overseas hospitalization: ₹1 Crore
- • Credit liability cover: ₹20 Lakh
- • Purchase protection: ₹10 Lakh (120 days from purchase)
- • Baggage delay/loss: ₹5 Lakh
- • Trip cancellation cover included
Airport Lounge Access
Domestic
999 visits/year
Unlimited
~₹2,500/visit
International
999 visits/year
Unlimited via Priority Pass
~₹3,500/visit
Dreamfolks Priority Pass Mastercard Airport Experiences
- • Unlimited domestic lounge visits at participating lounges
- • Unlimited international visits via complimentary Priority Pass
- • Guest access available at prevailing charges
Transaction Limits
ATM Withdrawal / Day
₹1,00,000
POS & E-Commerce / Day
₹20,00,000
Contactless / Txn
₹5,000
Features
Metal card Contactless payments EMV chip security Global acceptance on Mastercard World Elite network Add-on cards available EMI conversion facility Priority Pass membership Complimentary golf at premium courses 24/7 global concierge Airport meet & greet services ICICI Culinary Treats premium dining Movie and entertainment offers Personal accident insurance up to ₹10 Crore Trip cancellation and delay cover
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.25%
Tenure Options
3, 6, 9, 12, 18, 24, 36 months
Processing Fee
1%
Ready to Apply?
The ICICI Bank Emeralde Private Metal Credit Card is the bank's most exclusive super-premium offering on the Mastercard World Elite network. It earns ...
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