ICICI Emeralde Private Metal Credit Card: Fees, Rewards & Benefits
Travel card
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The ICICI Emeralde Private Metal is a top-tier travel and lifestyle card with a rare Rs 1 point value, a 3% base and standout iShop travel multipliers up to 72 points per Rs 200. With unlimited golf, Taj Epicure and a low 2% forex markup it is excellent for luxury travellers, though the Rs 12,499 fee and tight non-travel caps demand high, travel-focused spending.
Travel card
The Bottom Line
The Emeralde Private Metal is built for luxury traveller and high reward optimiser. With a ₹12,499 annual fee that is waived on ₹10,00,000 yearly spend, it offers 7.2% rewards on ishop (travel) and 12,500 bonus points. It makes the most sense if your spending matches luxury traveller and high reward optimiser.
It earns a base reward rate of 1.2000000000000002% and stacks best when your spending lines up with Luxury Traveller, High Reward Optimiser. The renewal fee gets easier to justify once you can hit ₹10,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealAffluent travellers who book via iShop to capture up to 72 points per Rs 200 on travel and value Taj Epicure, unlimited golf and Priority Pass lounges
Big spenders who benefit from the Rs 1 point value and 3% base, and can hit Rs 8-10 lakh to unlock vouchers and the fee waiver
Probably not for
SkipThose spending heavily on rent, tax, grocery or utilities, which earn nothing or are capped at 1,000 points a cycle
Users who cannot justify the Rs 12,499 fee or reach the Rs 10 lakh waiver threshold
Is It Worth It For You?
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Reward Rates
Emeralde Private Metal offers 1.2000000000000002% basic reward rate.
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Welcome Offer
Milestone Benefits
Rs. 3,000 EaseMyTrip air-travel voucher on annual spends of Rs. 4 lakh.
Additional Rs. 3,000 EaseMyTrip air-travel voucher on annual spends of Rs. 8 lakh (total of Rs. 6,000 in EaseMyTrip vouchers across the two spend milestones).
Annual (renewal) fee of Rs. 12,499 waived on annual spends of Rs. 10 lakh in the preceding card-anniversary year.
Fees & Charges
Eligibility
- Min Income: ₹40 Lakhs
- Invite-only metal card; age 21-65; min monthly income Rs 2.5L salaried or annual ITR Rs 40L self-employed; annual fee waived on Rs 10L+ spend.
Exclusions & Terms
Forex markup
- Foreign currency markup
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
₹12,499 annual fee. Apply on the ICICI Bank website.
Apply on ICICI Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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