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ICICI Bank Emeralde Private Metal Credit Card

ICICI's best everyday super-premium card — unlimited access, top rewards

Super PremiumMetal CardUnlimited LoungeBest Rewards
Apply Now — Official ICICI Site ↗
Joining Fee
₹12,499 + GST
Annual Fee
₹12,499 + GST
Reward Rate
Up to 6 pts/₹100; 36% via iShop
Lounge Access
Unlimited domestic + international
Forex Markup
1.5%
Fuel Waiver
1% surcharge waiver
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Key Features & Benefits
  • ✦6 ICICI Reward Points per ₹100 on all eligible spends
  • ✦Up to 36% reward rate on hotel bookings via iShop portal
  • ✦Up to 12X reward points on travel bookings via iShop
  • ✦Unlimited complimentary domestic airport lounge access
  • ✦Unlimited international lounge access via Priority Pass
  • ✦3 complimentary golf rounds per month at premium courses
  • ✦Complimentary ITC One membership
  • ✦2 complimentary movie tickets/month via BookMyShow
  • ✦1.5% forex markup — one of lowest in premium segment
  • ✦Air accident insurance cover up to ₹3 crore
  • ✦Comprehensive travel & purchase protection insurance
  • ✦24×7 dedicated concierge — travel, dining, lifestyle
  • ✦Hotel status at ITC, Marriott, and partner properties
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Welcome & Joining Benefits
  • ✦Welcome benefits worth up to ₹10,000 on card activation
  • ✦Complimentary ITC One membership
  • ✦Joining gift vouchers from select luxury brands
Milestone Benefits
  • ✦₹10L spend → bonus reward points / voucher benefit
  • ✦₹15L spend → annual fee waiver
Pros & Cons

✓ Advantages

  • ✓Best reward rate among ICICI cards — up to 36% via iShop
  • ✓Unlimited domestic + international lounge — no quarterly limit
  • ✓ITC One + hotel stay benefits across premium chains
  • ✓Low 1.5% forex markup for international use
  • ✓3 golf rounds/month — good for business networking
  • ✓Metal card with premium feel

✗ Disadvantages

  • ✗₹12,499 is a high annual fee
  • ✗iShop portal required for maximum rewards — locked ecosystem
  • ✗ICICI Reward Point redemption (₹0.25/pt) less valuable vs some competitors
Frequently Asked Questions
How is Emeralde Private Metal different from regular Emeralde?▼
The Private Metal variant is a full metal card with higher reward rates (6X vs 4X), better forex markup (1.5% vs 3.5%), ITC One membership, and unlimited lounge access. The regular Emeralde is a standard plastic card with fewer perks.
Can I transfer reward points to airline miles?▼
Yes, ICICI Reward Points can be converted to InterMiles and select airline miles programs. Check the current transfer partners and ratios on the ICICI Bank website.
Is the 36% reward rate on iShop available for all purchases?▼
The 36% is specifically for hotel bookings via ICICI Bank's iShop portal. Flights earn up to 12X (12%). Regular card spends earn 6X (approximately 1.5% value at standard redemption).
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