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REWARD POINTS CARD

ICICI Bank Emeralde Private Metal Credit Card

ICICI Bank

Unlimited airport lounge access in India and abroad, unlimited golf rounds, Taj Epicure and EazyDiner Prime memberships, and 6 Reward Points per ₹200 on eligible retail spends.

By invitation only. ₹12,499 + GST joining and annual fee. No points on rent, fuel, govt, tax, wallet load or property spends; grocery, utility and education points capped at 1,000 each per cycle.

ICICI Bank Emeralde Private Metal Credit Card
ANNUAL FEE
₹12,499 + GST
JOINING FEE
₹12,499 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Unlimited domestic and international airport lounge access for both primary and add-on cardholders.
BEST FOR
Included: May suit invited ICICI Bank relationship customers who travel often and can reach ₹10,00,000 of annual spends to.
Included: May suit frequent flyers who use airport lounges in India and abroad, including add-on cardholders.
Included: May suit regular golfers who want unlimited complimentary rounds at participating courses.
Included: May suit large spenders who redeem for flights or hotels, where a point is valued at ₹1.
Limitation: Less suited to spending on rent, fuel, government services, tax, wallet loads may wish to compare other cards.
Limitation: Those whose spends are mostly rent, fuel, tax or wallet loads, which earn no points may wish to compare other cards.
Limitation: Those with large grocery, utility or education bills may wish to compare other cards.
Limitation: Those wanting points as cash may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Issued as a relationship-based card; the bank may downgrade or withdraw it if the minimum relationship value is not maintained.
Condition: Grocery, utility and education spends earn up to 1,000 points each, and insurance up to 5,000 points, per statement cycle.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
21
Maximum age
65

Fees & ownership

Joining fee
₹12,499 + GST
Annual / renewal fee
₹12,499 + GST
Fee waived at
₹10,00,000 in an anniversary year (excl. rent, govt, education and EMI spends)
Forex markup
2%
Finance charge
3.75% per month
Cash withdrawal fee
₹0
Late-payment charge
Not stated
Interest-free period
18–48 days

Benefits & privileges

TRAVEL
Domestic airport lounge
Unlimited — Unlimited · Primary and add-on cardholders; swipe the card at the lounge. Card is excluded from the bank's spend-based lounge criteria.
International airport lounge
Unlimited — Unlimited · Priority Pass for primary and add-on cardholders; guests charged USD 29 + GST per visit, per guest.
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Priority Pass (international)
EVERYDAY
Fuel
1% at all petrol pumps, max ₹4,000 per transaction, on spends up to ₹1,00,000 per statement cycle (max ₹1,000 waiver)
Dining
Complimentary 12-month EazyDiner Prime membership for the primary cardmember, renewed on payment of joining/annual fee.
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No points on rent, fuel, government services, tax, wallet loads and property management; points on EMI-converted transactions are reversed.; Rent, fuel, government services, tax, wallet load and property management
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
36 months
Redemption fee
₹0
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: Unlimited domestic and international airport lounge access for both primary and add-on cardholders.
Included: Unlimited complimentary golf rounds for primary cardmembers, booked through the Golftripz platform.
Included: BookMyShow: buy one ticket and get up to ₹750 off the second, up to 2 times a month on movies, sports, theatre or concerts.
Included: Air accident cover of ₹3 crore for the primary cardholder on international tickets bought with the card, if used in the prior 60 days.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.