ICICI Bank Emeralde Private Metal Credit Card
Experience Extravagance with the Ultimate Luxury Metal Card
Annual Fee
₹12,499
Base Rewards
3.0%
Forex Fee
3.5%
Expert Verdict
The ICICI Bank Emeralde Private Metal is a formidable competitor to the HDFC Infinia, offering a simplified 3% reward structure and industry-leading 'Nil' fees for late payments and cash advances. Its inclusion of add-on members in the unlimited lounge benefit makes it one of the best family travel cards in India.
Quick Match
Is this card right for you?
This card could work well for you
Your Estimated Value
Year 1
+₹18,001
Includes ₹12,500 bonus
Year 2+
+₹5,501
Why get this card
Flat 3% reward rate on almost all retail spends with 1:1 redemption value for travel
Unlimited domestic and international lounge access for both primary and add-on cardholders
Zero late payment fees, zero over-limit fees, and zero cash advance fees
Complimentary Taj Epicure Plus membership including a free night stay as a welcome benefit
Watch out for
High annual fee of ₹12,499 + GST which is only waived on ₹10 Lakhs annual spend
Invite-only eligibility restricted to high-net-worth private banking clients
Reward value drops to ₹0.40 if redeemed for statement credit instead of travel
Who is this card for?
Best for
high spender
Individuals spending over ₹10 Lakhs annually to maximize the 3% reward rate and fee waiver.
Min: ₹1,00,000/mo
frequent traveler
Travelers who value unlimited global lounge access for themselves and family members.
Min: ₹50,000/mo
Skip if you're
low spender
Users spending less than ₹10 Lakhs annually will find the ₹12,499 fee hard to justify.
Base Earning
6 ICICI Bank Reward Points
per ₹200 spent
3.0%
effective rate
Point value: ₹1.00/point
Bonus Categories
iShop - TRAVEL
12×
36% return
iShop - TRAVEL
6×
18% return
Welcome Offer
Complimentary Taj Epicure Plus Membership (with 1 free night stay) and EazyDiner Prime Membership.
12,500
points
₹12,500
value
within 45 days
Milestones
Spend ₹4.0L
₹3,000 EaseMyTrip air travel voucher on spending ₹4 Lakhs in an anniversary year.
Spend ₹8.0L
Additional ₹3,000 EaseMyTrip air travel voucher on spending ₹8 Lakhs in an anniversary year.
Spend ₹10.0L
Annual fee waiver on spending ₹10 Lakhs in the previous year.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
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