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ICICI Bank Emeralde Private Metal Credit Card

4.8/5

Super Premium Credit Cards

Card Issuer:

American Express

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Overview

Updated On: August 24, 2026 | AB Published by: Amit B | 3 min read

ICICI Bank's Emeralde Private Metal Credit Card is one of the most rewarding super premium credit cards in India which offers as high as 36% valueback and 18% valueback on wide categories of spend. In addition, the card comes with premium lifestyle benefits such as unlimited golf games at domestic and international golf courses, unlimited domestic and international airport lounge access, buy one get one free movie tickets and event tickets etc.Overall, this is a wholesome super-premium card with extremely high valueback and attractive lifestyle benefits. The card provides valueback in the form of reward points which fetch the best value if redeemed on flight and hotel booking, Tanishq giftcards and giftcards of some luxury brands. Therefore, it may not be the best credit card for people who do not travel or not into these kind of spend.Also, this card has been designed to match lifestyle of people with vert high income and is an "Invite Only" card. If you have an ITR of more than Rs.50 lacs or monthly net-in-hand salary of Rs.3 Lacs or more, you can contact ICICI Bank's branch to get this credit card.

Pros

Extremely high reward rate
Best in class lifestyle benefits
Easy redemption of reward points at flat rate of Rs.1 per reward points for flights, hotels and popular gift cards like Tanishq and Apple. No need to learn complexity of airmiles related redemption.
Option to redeem reward points on non-travel related expenses such as Tanishq or Apple gift card without compromising of reward value (Rs.1 per Reward Point)
Great Joining Benefits which can be valued more than the Joining Fee
Renewal Benefit covers major part of the renewal fee.
Minimum age to apply for an Add-on card is just 12 year unlike most other credit cards which require 18 years of age to apply for Add-on card. It's very helpful for families with children above 12 years age and want airport lounge access for them,

Cons

Reward points provide the high value only if redeemed on travel (flight / Hotel bookings) or gift cards. Reward rate on real cashback conversion is low.
Add-on cards are not complimentary. You need to pay Rs.235 including GST per Add-on card per annum.

Fees & Charges

Joining / Annual Fee ₹ 14,749

Renewal Fee ₹ 14,749

Annual Spend Target for Fee Waiver ₹ 1,000,000

Minimum Annual Income Required ₹ 7,200,000

Rewards and Benefits

Reward Rate

Base Reward Rate: 3% ; Accelerated Reward Rate: 36%

Base Reward Rate

Accelerated Reward Rate

36%

Welcome Benefits

12500 Reward Points worth Rs.12500, Taj Epicure Membership with Complimentary 1 Night Stay without Breakfast for Two in participating Taj Hotels, 1 Meal for Two at Taj properties in India, Taj Hotels discount coupons, 1 Year Eazydiner Prime Membership

Renewal Benefits

12500 Reward Points are provided against the payment of Renewal Fee

Rewards & Cashback Details

Regular Reward Rate: 6 Reward Points on every Spend of Rs.200 (=3% valueback)
Accelerated Reward Rate: On spend on iShop portal of ICICI Bank
- Hotel Booking: 72 Reward Points on every Spend of Rs.200 (=36% valueback)
- Flight and Bus Tickets : 36 Reward Points on every Spend of Rs.200 (=18% valueback)
- Brand Vouchers (including popular brands like Amazon, Flipkart Myntra, Swiggy, Zomato etc.): 36 Reward Points on every Spend of Rs.200 (=18% valueback)
Milestone Benefits
- Rs.3,000 EasemyTrip Voucher on Spend of Rs.4 Lacs in a year
- Additional Rs.3,000 EasemyTrip Voucher on Spend of Rs.8 Lacs in a year

Rewards Redemption

Reward points can be redeemed on following

Flights and hotel bookings at 1 Reward Point = Rs.1
- You can make 100% payment for Flight Booking and 90% Payment for Hotel Booking using Reward Points at 1 Reward Points = Rs.1. Make remaining payment using ICICI Emeralde Private Metal Credit Card.
Brand Vouchers at 1 Reward Point = Rs.1
- Following brand vouchers are available for redemption of reward points - Tanishq, Apple, Tumi, Coach, Brooks Brothers, Emporio Armani, Jimmy Choo, G-Star Raw, Canali and Mother Care
- You can make maximum 50% of payment for brand vouchers using reward points at 1 Reward Points = Rs.1. Make remaining payment using ICICI Emeralde Private Metal Credit Card.
Transfer Reward Points to Air India's Maharaja Club airmiles at the rate of 1 Reward Point = Rs.1
Get Products from ICICI Rewards Catelogue at 1 Reward Point = Rs.0.60
Real Cashback: Redeem reward points as real cashback in credit card statement at 1 Reward Point = Rs.0.40

Additional Benefits

Domestic Airport Lounge

International Airport Lounge

Movie Benefits

Dining Benefits

Golf Benefits

Railway Lounge Access

Lifestyle Benefits Details

Movie and Event Tickets: Buy one movie ticket and get up to Rs. 750 off on a second ticket for movies, theatre shows, concerts, and sports events, available up to twice a month through BookMyShow
Airport Lounge Access
- Unlimited Domestic Airport Lounge Access for Primary and Upto 3 Add-on card holders.
- Unlimited International Airport Lounge Access for Primary and Upto 3 Add-on card holders using Free Priority Pass
Golf: Unlimited Golf Games at popular Golf Courses in India and Abroad
Flight/Hotel/Movie Ticket Cancellation Refund: Cancellation charges upto Rs.12,000 for flight, hotel or movie tickets are refunded through an insurance by ICICI Lombard.
- Only booking done for primary card holder in India is covered if the payment was done using ICICI Emeralde Private Metal Credit Card.
- For hotel booking, only 4 or 5 Star hotels are covered
- For flight booking, only domestic flight tickets are covered
- It can be claimed maximum 2 times in a year

Features & Benefits

Cashback

Reward Points

Airmiles

Airport Lounge

Utility Bills

Insurance

Education

Gift Cards

Jewellery

Wallet Load

NPS

Government Payment

Fuel

Rent

Rewards on EMI

No Cashback / Rewards Categories

No reward points on following spend categories

Government Services
Fuel
Rent
Tax Payments
EMI transactions

Limited reward points on following spend categories

On Insurance transactions, maximum 5,000 Reward Points per statement cycle (covers spend upto Rs.1,66,666 per monthly statement cycle)
On Grocery transactions, maximum 1,000 Reward Points per statement cycle (covers spend upto Rs.33,333 per monthly statement cycle)
On Utility transactions, maximum 1,000 Reward Points per statement cycle (covers spend upto Rs.33,333 per monthly statement cycle)
On Education transactions, maximum 1,000 Reward Points per statement cycle (covers spend upto Rs.33,333 per monthly statement cycle)

Ratings & Reviews

4.8

Overall Rating

Reward Rate

5/5

Lifestyle Benefits

5/5

Ease of Reward Redemption

4/5

Value For Money

5/5

Customer Service

5/5

Detailed Review

ICICI Bank's Emeralde Private Metal Credit Card is a super premium credit card which gives extremely high reward rate on most of the expenses. If you use this card properly with some planning, you can get as high as 18% reward rate (even 36% on holes) on large number of popular regular spend categories. On top of it, it provides one of the best lifestyle benefits such as free movie tickets, unlimited domestic and international lounge access, unlimited domestic and international golf games etc. All these benefits make it a perfect credit card for people who travel and go on vacations every year. Even if you don't travel, the reward points can be redeemed on useful gift cards likes Tanishq and Apple (iPhones MacBook, iPad etc.)

Eligibility & Important Info

Eligibility Criteria

ICICI Bank's Emeralde Private Metal Credit Card is an "Invite Only" card. it cannot be applied through regular process. To get this credit card, you either need to approach your ICICI Bank's Relationship Manager or Branch. Or the Bank invite its existing high profile customer to apply for this credit card.However, basis the users' experience, the Bank follow the below give criteria to approve this credit card.

Age: 21 years or more
Income:
- For Salaried: Rs.3 Lacs Monthly Net-in-hand salary credit card in ICICI Bank's salary account. if your salary account in some other bank, you will need to transfer it to ICICI Bank to get approval for this credit card.
- For Self-Employed: Rs.50 Lacs ITR
- The Card may be approved at lower income as well basis the relationship with the back. But it's highly unlikely that this card is approved at lower than Rs.50 Lacs ITR.

Important Links

ICICI Bank's iShop Portal to get Accelerated Reward Points: icicibank.com/ishoplogin
Reward Catalogue for ICICI Emeralde Private Metal Credit Card (Redemption Value: 1 Reward Point = Rs.0.60): Click here
International Airport Lounges List (accessible using complimentary Priority Pass which is provided with this credit card) : Click here
Domestic Airport Lounges List (accessible by simply swiping this credit card): Click here
Golf Program (To book golf games as benefit of this credit card): Click here
List of Golf Courses accessible using this credit card: Click here
Master Card Priceless Special Portal to access special offers for Master Card variant of this credit card: Click here
American Express Experiences Portal to access special offers for American Express variant of this credit card: Click here
Detailed terms & conditions of the credit card: Click here

Add-on Cards

Upto 3 Add-on credit cards cards are provided but with a fee of Rs.235 per annum per Add-on card including GST

Media

Best Credit Card in India | How to Apply ICICI Emeralde Private Metal Credit Card | ICICI EPM

ICICI Emeralde Private Metal Credit Card Vs HDFC Infinia Credit Card Vs Axis Atlas Credit Card

Classification

Card Issuer

ICICI Bank

Card Network

American Express Mastercard

Card Purpose

Airport Lounges - Domestic Dining Education Forex Transactions Giftcards Gold & Jewellery Golf Insurance Lifestyle Card Movies Offline Spend Online Shopping Sale Discount Offers Train Tickets Utility Bills

Reward Type

Airmiles Reward Points

Card Category