ICICI Bank Emeralde Private Metal Credit Card

Name: ICICI Bank Emeralde Private Metal Credit Card
Brand: ICICI

WalletWalk Rating

Best for premium lifestyle benefits

Last updated: 09-Mar-2026

Overview

Experience exclusivity and sophistication with the Emeralde Private Metal Credit Card, your key to a world of luxury, high rewards, and unmatched convenience.

Pros

↑12,500 RP upon annual fee payment
↑Dining discounts

Cons

↓High spend requirements for milestone rewards.
↓No rewards on fuel

Key Highlights

Welcome Offer
12,500 RP
Earn 12,500 points after the joining fee is realized and the card is activated

Reward Rate
6 RP / ₹200 + up to 5,000 RP
6 RP / ₹200 on retail spends
Up to 1,000 RP / category per statement cycle (grocery, education, and utilities)
Up to 5,000 RP / statement cycle for insurance payments

Minimum Salary
₹2,50,000

Joining Fee
₹12,499

Annual Fee
₹12,499
Waived on spends of ₹10L in the preceding card anniversary year

Key Benefits

Dining

▼

2000 Eazypoints as an onboarding bonus + 25% to 50% discounts at 3000+ top restaurants in India and Dubai

Fuel

▼

1% surcharge waiver for transaction of ₹4,000 (capped at ₹1,000 per statement cycle)

Grocery

▼

Earn up to 1,000 RP monthly

Lifestyle

▼

₹750 off on a second ticket twice monthly via BookMyShow

Milestone

▼

2 EaseMYTrip air travel vouchers worth ₹3,000 each on achieving spends milestones

Premium

▼

Golf, lounge access, and Mastercard Moments

Reward Points

▼

6 RP / ₹200 + up to 5,000 RP on eligible spends

Shopping

▼

RP redeemable across lifestyle and luxury categories

Merchant Offers

▼

Taj Epicure Membership, EazyDiner, BookmyShow, and EaseMYTrip accelerated discounts and RP

Travel

▼

Lounge access, insurance, and milestone vouchers

Airport Lounge Access

▼

Access to lounges in select Indian airports

Liability Protection

▼

Credit shield cover of ₹1L

Insurance

▼

Comprehensive Insurance Coverage up to 3Cr

Balance Transfer

▼

Transfer upto ₹3L (Min due on other card: ₹15,000)

Detailed Information

Joining Fee	₹12,499
Annual Fee	₹12,499
Annual Fee Waiver	Waived on spends of ₹10L in the preceding card anniversary year
Monthly Percentage Rate	3.40%
Annual Percentage Rate	40.80%
Foreign Currency Markup	2%
Late Payment Charges	No
Overlimit Charges	No
Cash Advance Fee	No
Balance Transfer Fee	1.25% of the transfer amount (Min due on other card: ₹15,000)
Card Replacement Fee	₹3,500
Fee For Cheque Bounce	2% of amount due, subject to a minimum of ₹500

Identity Proof	ICICI Bank Emeralde Private Metal Credit Card can be issued by Invite Only
Address Proof	ICICI Bank Emeralde Private Metal Credit Card can be issued by Invite Only
Income Proof Salaried	ICICI Bank Emeralde Private Metal Credit Card can be issued by Invite Only
Income Proof Self Employed	ICICI Bank Emeralde Private Metal Credit Card can be issued by Invite Only

ICICI Bank Emeralde Private Metal Credit Card

Age Requirement Salaried	18+ years
Age Requirement Self Employed	18+ years
Minimum Annual Income Salaried	₹2,50,000
Minimum Annual Income Self Employed	₹2,50,000

Age Requirement Salaried	18+ years
Age Requirement Self Employed	18+ years
Minimum Annual Income Salaried	₹2,50,000
Minimum Annual Income Self Employed	₹2,50,000