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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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