ICICI Bank Emeralde Private Metal Credit Card
MastercardInvite OnlyICICI Emeralde Private Metal is the most exclusive card with unlimited lounge access, golf, Taj InnerCircle membership, and 6 reward points per ₹100.
Welcome Benefit
12,500 bonus PAYBACK points on joining fee payment.
Estimated value: ₹12,499
Condition: Welcome benefit is credited within 30–45 days of first transaction or after spending ₹12,499 within 90 days of card issuance.
Fees & Charges
Rewards & Earn Rates
Program: ICICI Reward Points (PAYBACK) (points) · 1 point = ₹0.25
| Category | Earn Rate |
|---|---|
| Taj Experiences | 12X PAYBACK points on Taj Experiences |
| All Spends | 6 PAYBACK points per ₹100 |
No capping on base reward earning.
Points expire after 24 months
Milestone Benefits
Earn 10,000 bonus Edge Miles / Reward Points every quarter on spending ₹1.5 lakh. Redeemable against flight tickets or transferred to airline programs.
Value: ₹5,000
Must be an active cardholder. Bonus credited within 30 days of quarter end.
Lounge Access
Unlimited Priority Pass + Dreamfolks lounge access.
Travel Benefits
Complimentary hotel upgrades at partner properties. Early check-in and late check-out at IHG and Marriott properties upon availability. Dedicated travel desk for itinerary planning.
✓ Air miles conversion available
✓ Airport meet & greet
5–10% additional discount on flight and hotel bookings made through the bank's travel portal (SmartBuy / Yatra / MakeMyTrip).
Complimentary travel insurance on purchase of international air tickets using this card. Covers trip cancellation, missed connection, and baggage loss.
Lifestyle Benefits
Movie / Entertainment Offers
Buy-one-get-one free or flat discount on movie tickets via BookMyShow / PVR / INOX. Typically up to 2 tickets per month.
via BookMyShow / PVR / INOX
Value: ₹2,400
Complimentary Golf Rounds
Complimentary golf rounds per month at premium golf courses in India. Green fee waived for cardholder.
via DLF Golf & Country Club / Karnataka Golf Association and partner courses
Value: ₹18,000
24/7 Premium Concierge
Round-the-clock dedicated concierge service for travel bookings, restaurant reservations, event tickets, gift sourcing, and emergency assistance worldwide.
via ICICI Bank Concierge
Dining Discounts
15–25% discount at partner restaurants through the bank's dining programme (EazyDiner/Dineout/bank portal). Valid on dine-in only.
via EazyDiner / Dineout
Value: ₹3,600
Insurance Cover
purchase_protection
Purchase protection insurance covers eligible purchases made on the card against accidental damage or theft within 90 days from the date of purchase.
₹1,00,000 per claim
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Complimentary air accident cover of ₹1.5 Cr on purchasing air tickets using the card. Covers accidental death while travelling on a common carrier.
₹1.5 Cr air accident cover
lost_card_liability
In case of card loss or theft, you are not liable for any fraudulent transactions if you report the incident to the bank immediately. Zero liability protection applies 7 days prior to reporting.
Zero liability on fraudulent transactions reported within 7 days
Zero LiabilityForex & Fuel
Zero forex markup on international transactions. Dynamic currency conversion (DCC) charges apply at 1% when merchant charges in INR.
Eligibility
Invite-only. Minimum annual income: ₹12,00,000+. Age: 21–65.
Editor Rating
Pros
- + Strong air miles earning rate
- + Lounge access at major airports
- + Miles transferable to airline programs
Cons
- – High annual fee
- – Benefits require significant spend to be cost-effective
- – Miles have expiry dates
The ICICI Bank Emeralde Private Metal Credit Card is a premium credit card from ICICI Bank tailored for travel enthusiasts with miles earning and lounge access. At ₹12,499/year, the card is best suited for high spenders who can leverage its premium benefits.