ICICI Emeralde Private Metal

Name: ICICI Emeralde Private Metal
Brand: ICICI Bank

ICICI Bank • ICICI Bank’s premier invitation-only luxury metal card.

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Designed as a direct alternative to HDFC Infinia, ICICI Emeralde Private Metal offers a flat 3% uncapped reward rate across retail categories, unlimited global lounge visits with complimentary guest access, and a low 1.5% foreign currency markup.

Annual Fee (+ 18% GST)₹12,500 (₹14,750 incl. GST)

Fee Waiver₹10,00,000 annual spend

Joining Perk12,500 bonus reward points + Taj Epicure Membership

Primary Reward6 Reward Points per ₹200 (3% uncapped return on all retail spends)

Airport Lounge AccessUnlimited Domestic & International airport lounge visits with free guest access

Forex Markup1.5% + 18% GST

RuPay UPINo

Best ForSuper-affluent clients seeking unconditional lounge access and low forex markup

What We Like

Truly uncapped base reward rate with zero monthly merchant ceilings
Unlimited Priority Pass visits for cardholder and accompanying guests
Complimentary Taj Epicure membership and EazyDiner Prime access

Watch Out

High invite-only threshold requiring substantial wealth relationship with ICICI
Points-to-miles transfer catalog is smaller than HDFC or Axis

MITC & Hidden Charges

Annual fee ₹12,500 + 18% GST (₹14,750). Cash advance charges apply at 2.5%. Unlimited domestic and international lounge visits have zero quarterly spend requirements.

ICICI Emeralde Private Metal FAQs

Does ICICI Emeralde Metal have spend conditions for lounge access?

No. Unlike ICICI Sapphiro or Rubyx, Emeralde Private Metal has zero quarterly spend criteria. Lounge visits are completely unlimited for primary, add-on, and accompanying guests.