Credit Cards · Honest Review
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank · Visa
Your Verdict
- ✓Unlimited domestic and international lounge access via Priority Pass
- ✓6X rewards on flights/vouchers and 12X on hotel bookings via iShop
- ✓1 reward point redeemable at 1 against flight/hotel vouchers and luxury brand vouchers
- ✓Travel cancellation cover up to 12,000 annually
- ✓Complimentary Taj Epicure Plus and EazyDiner Prime memberships
What ICICI Bank Emeralde Private Metal Credit Card costs you
ICICI Bank Emeralde Private Metal Credit Card carries a ₹12,499 annual fee and a ₹12,499 one-time joining fee. The annual fee is waivable: Spend 10 lakh in the previous year to get annual fee reversed.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹12,499 |
| Joining fee (one-time) | ₹12,499 |
| Fee waiver condition | Spend 10 lakh in the previous year to get annual fee reversed |
| Spend required for waiver | ₹10,00,000 / year |
| Foreign transaction fee (forex markup) | 2% per transaction |
What you earn on every rupee spent
ICICI Bank Emeralde Private Metal Credit Card earns 3.00% on all eligible spends as a base reward rate, with accelerated rates on travel & flights and other bonus categories listed below. Each reward point is worth ₹1 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 3.00% |
| ✈️ Travel & Flights | 18% |
12,500 ICICI Reward Points as joining and annual benefit, plus Taj Epicure Plus and EazyDiner Prime memberships
Reward types: Points · Lounge · Miles
Beyond the reward rate
The non-reward benefits on ICICI Bank Emeralde Private Metal Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank Emeralde Private Metal Credit Card requires a minimum net monthly income of ₹2,91,666 for salaried applicants and a CIBIL score of 800 or above. It is open to salaried employees and self-employed professionals and business owners.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹2,91,666 |
| CIBIL score | 800+ (good to excellent) |
| Age range | 21–65 years |
| Employment type | Salaried, Self-employed, Business owner |
| Typical approval time | Invite-only; 10-15 working days for eligible public applicants |
Largely invite-only via relationship manager; public applicants typically need 35L+ annual income with approval not guaranteed.
Who should (and shouldn't) get ICICI Bank Emeralde Private Metal Credit Card
- → Heavy spenders on travel & flights who want 18% back
- → Frequent travelers who value airport lounge access
- → International spenders benefiting from low forex markup
- → Moderate spenders who can clear the fee waiver condition
- → Low spenders who won't recover the high annual fee
- → Applicants with monthly income below ₹2,91,666
ICICI Bank Emeralde Private Metal Credit Card — Questions answered
What is the annual fee for ICICI Bank Emeralde Private Metal Credit Card?
What is the minimum income required for ICICI Bank Emeralde Private Metal Credit Card?
What is the reward rate on ICICI Bank Emeralde Private Metal Credit Card for travel & flights?
Does ICICI Bank Emeralde Private Metal Credit Card provide airport lounge access?
How do I get the annual fee waived on ICICI Bank Emeralde Private Metal Credit Card?
How long does it take to get ICICI Bank Emeralde Private Metal Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.