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Last updated: 28 September 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
4 Points per ₹100
1 Point = ₹1. No expiry.
The privileges that come bundled in, beyond the reward points.
Unlimited International Lounge
Unlimited Spa Access
No cancellation charges on tickets
An honest read on where this card earns its keep — and where it doesn't.
Unlimited Spa
Low Forex
High fee
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with ICICI Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how ICICI Bank Emeralde Private Metal stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about ICICI Bank Emeralde Private Metal fees, reward conversion, lounge access, and application eligibility.
ICICI Bank Emeralde Private Metal has an annual fee of ₹12,000 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Complimentary Taj Epicure".
ICICI Bank Emeralde Private Metal earns Points at a primary rate of 4 Points per ₹100. Specifically, 1 Point = ₹1. No expiry.. Spends in Super Premium, Lifestyle categories provide the maximum valueback per transaction on this card.
Yes, ICICI Bank Emeralde Private Metal features complimentary airport lounge privileges. Privileges include: "Unlimited International Lounge". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 780 or above is strongly recommended for approval of ICICI Bank Emeralde Private Metal. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
ICICI Bank Emeralde Private Metal is issued on the Mastercard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
ICICI Bank Emeralde Private Metal levies a forex markup fee of 2% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
ICICI Bank Emeralde Private Metal currently features a welcome offer: "Complimentary Taj Epicure". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Unlimited Spa and Low Forex. However, keep in mind that High fee. Overall, ICICI Bank Emeralde Private Metal delivers strong value if your regular spending aligns with Super Premium, Lifestyle.
You can apply for ICICI Bank Emeralde Private Metal directly through ICICI Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
