ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank · Visa · Super Premium card
Unlimited lounge access at a flat 3% effective reward rate across nearly every category is a strong, simple value proposition for very high spenders.
ICICI private/premium banking clients with very high monthly spend.
Terms checked 13 Sept 2026
- Annual fee
- ₹12,499 + GST
- Joining fee
- ₹12,499 + GST
- Base reward rate
- 3%
- Forex markup
- 2%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 3% |
| Dining & delivery | 3% |
| Groceries & essentials | 3% |
| Travel & hotels | 3% |
| Bills & utilities | 3% |
| Subscriptions & streaming | 3% |
| Beauty & wellness | 3% |
| Entertainment & movies | 3% |
| Offline store shopping | 3% |
| International spending | 3% |
| Insurance premiums | 3% |
| Education & family | 3% |
| Healthcare & pharmacy | 3% |
| Other miscellaneous | 3% |
| Gold & jewellery | 3% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹10,00,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
Unlimited domestic airport lounge visits • Unlimited international airport lounge visits
1 domestic airport lounge visit per year · Issuer card
Guest access: Not specified
Unlimited; the positive visit placeholder is ignored when unlimited is true. Published for primary and add-on cardholders.
1 international airport lounge visit per year · Priority Pass
Guest access: Not specified
Unlimited; the positive visit placeholder is ignored when unlimited is true. Published for primary and add-on cardholders.
Movies and entertainment
BookMyShow · Buy one, get one · up to ₹750 · 2 uses/month
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 6 items
Grocery rewards
Usage-based value6 points per ₹200, subject to a separate 1,000-point statement-cycle cap.
Utility rewards
Usage-based value6 points per ₹200, subject to a separate 1,000-point statement-cycle cap.
Education rewards
Usage-based value6 points per ₹200, subject to a separate 1,000-point statement-cycle cap.
Insurance rewards
Usage-based value6 points per ₹200, subject to a separate 5,000-point statement-cycle cap.
Other eligible ICICI rewards
Usage-based value6 points per ₹200 on other eligible retail purchases.
6 points per eligible ₹200, worth up to ₹1 each but ₹0.40 for statement credit
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹12,499₹12,499 annual fee before applicable tax.
Joining fee
Cost ₹12,499₹12,499 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹12,499Annual fee may be waived after ₹10,00,000 of eligible annual spending.
Conditions: Reach ₹10,00,000 eligible annual spending
Welcome benefits · 4 items
12,500 ICICI reward points
Recorded value ₹5,000Welcome reward points; redemption value can be up to ₹1 per point depending on the option chosen.
Conditions: Pay the applicable joining fee · Follow the welcome-benefit fulfilment instructions sent by ICICI Bank
Taj Epicure Plus membership
Shown without a cash valueComplimentary Taj Epicure Plus membership included in the published welcome package.
Conditions: Subject to ICICI Bank and Taj membership fulfilment terms
EazyDiner Prime membership
Shown without a cash valueComplimentary EazyDiner Prime membership included in the published welcome package.
Conditions: Subject to ICICI Bank and EazyDiner membership fulfilment terms
Taj Epicure Plus and EazyDiner Prime in the welcome package
Shown without a cash value
Spend milestones · 1 item
Two ₹3,000 EaseMyTrip vouchers at ₹8 lakh
Recorded value ₹6,000Unlocked after ₹8,00,000 of eligible spending.
Conditions: Reach ₹8,00,000 per card anniversary year
Airport lounge access · 2 items
Domestic lounge access
Usage-based valueUnlimited visits through Issuer card. Guest access: not specified. Unlimited; the positive visit placeholder is ignored when unlimited is true. Published for primary and add-on cardholders.
International lounge access
Usage-based valueUnlimited visits through Priority Pass. Guest access: not specified. Unlimited; the positive visit placeholder is ignored when unlimited is true. Published for primary and add-on cardholders.
Movies and entertainment · 1 item
BookMyShow movie offer
Usage-based · up to ₹18,000Buy one, get one offer up to ₹750, 2 times per month.
Golf · 1 item
Unlimited complimentary golf rounds under current terms
Shown without a cash value
Insurance and protection · 2 items
Air-accident cover up to ₹3 crore
Shown without a cash valueTravel cancellation refund benefit up to ₹12,000
Shown without a cash value
Fuel benefits · 1 item
1% fuel surcharge waiver
Shown without a cash value
Concierge · 1 item
24/7 concierge
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value2% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Restricted application availability
Shown without a cash valueApplication availability: invite only. No universal verified numeric income threshold is used as a hard filter. Invitation-only product; the issuer does not publish a universal numeric income threshold.
Conditions: Issuer relationship required
Other categories (5)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source ↗Memberships
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source ↗Other benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗
What stands out
- ✓ 6 points per eligible ₹200, worth up to ₹1 each but ₹0.40 for statement credit
- ✓ Unlimited domestic and international lounge access for primary and add-on cardholders
- ✓ Unlimited golf plus two monthly BookMyShow buy-one-get-one uses up to ₹750 each
- ✓ Two ₹3,000 EaseMyTrip vouchers at ₹8 lakh anniversary-year spend
What to watch
Invite-only: generally requires an existing ICICI private banking or premium relationship to be offered this card.
Recorded exclusions
Fuel Commute · Rent · Emi
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026