ICICI Bank Emeralde Private Metal Credit Card

93/100

ICICI Bank

ICICI's flagship metal card with unlimited lounges, golf and premium memberships for very high spenders.

Credwiser Score 93/100

ICICI Bank Emeralde Private Metal Credit Card

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

ICICI Bank • ICICI's flagship metal card with unlimited lounges, golf and premium memberships for very high spenders.

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Emeralde Private Metal is the top ICICI Bank card, publicly listed on the official site with a ₹12,499 annual fee and a ₹10,00,000 waiver target. It is built for users who will use unlimited lounge access, golf, concierge and dining memberships often enough to justify the fee.

Annual Fee (+ 18% GST)₹12,499 (₹14,749 incl. GST)

Fee WaiverSpend ₹10,00,000 or more in an anniversary year to get the annual fee reversed, as per the MITC fee table

Joining PerkTaj Epicure and EazyDiner Prime membership benefits, as listed on the official product page, with joining vouchers claimable through ICICI Bank Rewards after fee payment

Primary Reward6 ICICI Bank Reward Points per ₹200 on eligible retail spends, with 1 point worth up to ₹1 on travel and voucher redemptions as per the official card terms

Airport Lounge AccessUnlimited Domestic and International Lounge visits per year for primary and add on cardholders, including complimentary Priority Pass membership for international lounges

Forex Markup2% + 18% GST

RuPay UPINo

Best ForVery high spenders who want unlimited lounges, golf, concierge and premium dining memberships from ICICI

What We Like

Unlimited domestic and international lounge access for primary and add on cardholders
Lower forex markup of 2% plus GST compared with regular ICICI cards
Premium bundle with Taj Epicure, EazyDiner Prime, golf and 24 by 7 concierge

Watch Out

High ₹12,499 annual fee needs heavy use to justify
Fee waiver needs ₹10,00,000 of spends in a year
No RuPay variant, so it cannot be linked to UPI

MITC & Hidden Charges

Annual fee ₹12,499 plus GST. 18% GST applies to annual fee (Total ₹14,749). Other charges as per the issuer's MITC.

ICICI Bank Emeralde Private Metal Credit Card FAQs

Is the Emeralde Private Metal Credit Card publicly listed by ICICI Bank?

Yes. ICICI Bank lists this card on its official website with an Apply Online page and a published joining and annual fee of ₹12,499 plus GST, so it is included here as a listed product.

What lounge access does this card offer?

The official page lists unlimited complimentary domestic lounge access and unlimited international lounge access through Priority Pass for primary and add on cardholders.