← Part of ICICI Credit Cards in India
The ICICI Bank Emeralde Private Metal Credit Card, launched as a super-premium, invite-only offering, targets high-net-worth individuals in India. As of 2026, IT offers a flat 3% reward rate on most retail spends, along with extensive luxury benefits like unlimited golf and lounge access.
| Parameter | Details |
|---|---|
| Card Type | Super-premium, Invite-only Metal Credit Card |
| Issuer | ICICI Bank |
| Joining Fee | ₹12,499 + GST |
| Annual Fee | ₹12,499 + GST (reversed on ₹10 lakh annual spend from second year) |
| Reward Rate | 3% flat on most retail spends; 6 ICICI Reward Points on every ₹200 spent (1 RP = ₹1) |
| Reward Points Validity | Up to 3 years from date of receiving |
| Joining Benefit (Points) | 12,500 ICICI Reward Points (credited annually post 45 days of fee realization & card activation) |
| Joining Benefit (Memberships) | Complimentary one-year Taj Epicure preferred membership; 12-month EazyDiner Prime Membership |
| Lounge Access | Unlimited domestic & international lounge access for primary and up to 3 add-on cardholders (via Priority Pass) |
| Golf Privileges | Unlimited complimentary golf rounds/lessons (booked via Golftripz, based on ₹50,000 monthly retail spend) |
| Dining Benefits | 25-50% discount at 3,000+ restaurants in India and Dubai |
| Add-on Cards | Up to 3 complimentary add-on cards |
| Eligibility | Invite-only for high-income/high-net-worth individuals, existing ICICI Bank Global Private Client customers, 750+ CIBIL score |
| Application Process | Contact ICICI Bank relationship manager or apply via icicibank.com (for pre-approved offers) |
| Documents Required | No physical documents required (as per ICICI Bank); income proof + relationship discussion with branch RM for public applicants |
| Decision Time | 5-7 days post application |
| Card Delivery Time | 10-14 days post approval |
| Dynamic Currency Conversion (DCC) Fee | 2% (effective February 2026) |
| Transportation Transaction Fee | 1% on transactions exceeding ₹50,000 (effective February 2026) |
This card is positioned as a direct competitor to other super-premium cards, offering a full suite of luxury and travel benefits for its exclusive clientele.
Exclusive Features & Privileges
The ICICI Bank Emeralde Private Metal Credit Card offers a full suite of luxury benefits, positioning IT as a top-tier card for high-net-worth individuals in India. Cardholders receive unlimited complimentary lounge access, unlimited golf rounds, and exclusive memberships like Taj Epicure Preferred and EazyDiner Prime. The card also provides a strong 3% reward rate on most retail spends, with a 1:1 redemption value for points.
| Privilege Category | Details | Key Feature |
|---|---|---|
| Lounge Access | Unlimited complimentary international and domestic lounge access for primary and up to 3 add-on cardholders. | Unlimited Airport Lounge Access |
| Golf Privileges | Unlimited complimentary rounds or lessons of golf, bookable via the Golftripz website. This benefit requires ₹50,000 spent on retail purchases in the previous calendar month. | Unlimited Golf Rounds/Lessons |
| Memberships | Complimentary one-year Taj Epicure Preferred membership and a 12-month EazyDiner Prime Membership, both renewable yearly. | Exclusive Lifestyle Memberships |
| Reward Points | 12,500 ICICI Reward Points credited annually post 45 days of fee realization and card activation. Earn 6 ICICI reward points on every ₹200 spent on retail. | Annual & Base Reward Points |
| Movie/Event Offers | Purchase one ticket and get up to ₹750 off on the second ticket for movies, theatre shows, concerts, and sports events via BookMyShow, up to 2 times per month. (Effective April 1, 2026, requires ₹25,000 spend in the preceding quarter for Emeralde Credit Card). | BookMyShow Discounts |
| Add-on Cards | Up to 3 complimentary add-on cards are available for family members. | Complimentary Add-on Cards |
| Reward Redemption | ICICI Bank reward points can be redeemed against products, travel, movie vouchers, and lifestyle items at a 1 RP = ₹1 value. Points can also transfer to Air India Maharaja Club at a 1:1 ratio. | Flexible Reward Redemption |
| Exclusive Card Status | This is an invite-only premium metal credit card, specifically designed for high-income and high-net-worth individuals. | Invite-Only Metal Card |
| Reward Rate | A flat 3% reward rate applies to most spends, with caps on categories like grocery, education, utilities, and insurance. Tax, rent, and fuel payments are excluded from earning rewards. | High Flat Reward Rate |
| Insurance Premium Benefits | Cardholders can earn up to 5,000 reward points per payment cycle for insurance premium payments. | Reward Points on Insurance |
| Dining Discounts | Enjoy 25% to 50% discount at over 3,000 restaurants across India and Dubai. | Premium Dining Offers |
| Reward Point Validity | Earned reward points remain valid for up to 3 years from the date of receiving them. | Extended Reward Point Validity |
The card’s invite-only nature and metal design underscore its exclusivity, offering a strong reward ecosystem and lifestyle benefits tailored for affluent cardholders. These privileges are designed to travel, leisure, and everyday spending for its elite user base.
Reward Points & Redemption Value
The ICICI Bank Emeralde Private Metal Credit Card offers 6 reward points for every ₹200 spent on retail, translating to an effective reward rate of 3%. These points hold a redemption value of 1 RP = ₹1 for various redemptions, including flight and hotel vouchers.
| Metric | Value | Source |
|---|---|---|
| Reward Points on every ₹200 spent (retail transactions) | 6 ICICI reward points | ICICI Bank Emeralde Private Metal Credit Card |
| Reward Points on every ₹200 spent (retail, excluding Government Services, Fuel, Rent & Tax Payments) | 6 ICICI Bank Reward Points | ICICI Bank Emeralde Private Metal Credit Card |
| Reward Redemption Ratio (Flight & Hotel vouchers) | 1 Reward Point = ₹1 | ICICI Bank Emeralde Private Metal Credit Card |
| Reward Redemption Ratio (products, travel, movie vouchers, appliances, mobiles, lifestyle products) | 1 RP = ₹1 | ICICI Bank Emeralde Private Metal Credit Card Review 2026 |
| Reward Redemption Ratio (Air India Maharaja Club transfer) | 1:1 ratio | ICICI Bank Emeralde Private Metal Credit Card Review 2026 |
| Annual Bonus Reward Points (on fee payment/card activation) | 12,500 ICICI Reward Points | ICICI Emeralde Private Metal Card |
| Overall Reward Rate | 3% | ICICI Bank Emeralde Private Metal Credit Card Review 2026 |
| Reward Redemption Handling Fee | No fee | ICICI Bank Emeralde Private Metal Credit Card |
| Reward Points Validity | Up to 3 years from date of receiving | ICICI Emeralde Private Metal Credit Card |
| Monthly Bonus CAP (accelerated points via iShop) | 18,000 points | ICICI Emeralde Private Metal Credit Card |
The card’s 3% reward rate and 1:1 redemption value make IT competitive for high-spenders, especially with the annual bonus points and transfer options to loyalty programs like Air India Maharaja Club.
Eligibility & Application Process
The ICICI Bank Emeralde Private Metal Credit Card is an exclusive, invite-only offering for high-net-worth individuals in India. Eligibility typically requires a CIBIL score of 750 or higher and a significant existing credit limit, often around ₹10 lakh, on another ICICI Bank card for upgrades.
- Invite-Only Access: This card is not available for direct application by the general public; IT is extended via invitation only.
- High Net Worth Profile: ICICI Bank targets high-income individuals and existing Global Private Client customers for this premium card.
- Credit Score Requirement: A strong CIBIL score of 750 or above is preferred, indicating excellent creditworthiness.
- Existing ICICI Relationship: Many eligible individuals are existing ICICI Bank customers, often with high credit limits on other cards.
- Application for Public Applicants: While invite-only, public applicants can inquire via icicibank.com under Credit Cards → Emeralde Private Metal, which involves income proof and a discussion with a branch Relationship Manager.
- No Physical Documents: According to ICICI Bank, no physical documents are required for eligible invitees or pre-approved customers.
- Decision & Delivery Time: Card decisions typically take 5-7 days, with delivery expected within 10-14 days post-approval.
- Contact Relationship Manager: The primary application route involves contacting an ICICI Bank relationship manager to check for pre-approved offers or eligibility.
The ICICI Emeralde Private Metal Credit Card’s application process emphasizes an existing banking relationship and a strong financial profile, reflecting its ultra-premium positioning in 2026.
Benefits for High-Spenders
The ICICI Bank Emeralde Private Metal Credit Card offers substantial value for high-spenders, with a 3% reward rate on most retail purchases as of April 2026. This invite-only card provides exclusive benefits across travel, dining, and lifestyle categories.
High-spenders can maximize value through accelerated reward earnings and complimentary memberships, designed for a luxurious lifestyle.
- Accelerated Reward Points: The card earns 6 ICICI reward points on every ₹200 spent on retail purchases, excluding tax, rent, and fuel transactions. These points hold a redemption value of 1 RP = ₹1.
- Complimentary Memberships: Cardholders receive a complimentary one-year Taj Epicure preferred membership and a 12-month EazyDiner Prime Membership as joining benefits. The EazyDiner membership is renewable with annual fee payment.
- Annual Bonus Points: An additional 12,500 ICICI Reward Points are credited annually, 45 days after fee realization and card activation. These points are valid for up to three years from the date of receipt.
- Unlimited Golf Privileges: Primary cardholders are eligible for unlimited complimentary golf rounds or lessons each month. This benefit is accessible for every ₹50,000 spent on retail purchases in the previous calendar month.
- Unlimited Lounge Access: The card provides unlimited complimentary domestic lounge access at select Indian airports for both primary and up to three add-on cardholders. IT also includes complimentary Priority Pass Membership for international lounge access.
- Dining Discounts: Cardholders can avail discounts ranging from 25% to 50% at over 3,000 restaurants in India and Dubai. This benefit caters to frequent diners.
- Add-on Cards: The ICICI Bank Emeralde Private Metal Credit Card allows for up to three complimentary add-on cards, extending premium benefits to family members.
These benefits position the Emeralde Private Metal card as a strong contender for individuals with significant monthly spending, especially in travel and lifestyle segments.
Emeralde Private Metal Vs. HDFC Infinia
The ICICI Emeralde Private Metal Credit Card and HDFC Infinia Metal Credit Card are both super-premium, invite-only offerings in India. While Emeralde Private Metal offers a flat 3% reward rate on most spends, Infinia provides 3.3% (5 Reward Points per ₹150 spent) as a base.
Both cards target high-net-worth individuals, offering extensive travel and lifestyle benefits including unlimited lounge access and golf privileges.
| Feature | Emeralde Private Metal | HDFC Infinia Metal |
|---|---|---|
| Card Type | Super-premium, Invite-only Metal Credit Card | Super-premium, Invite-only Metal Credit Card |
| Joining Fee | ₹12,499 + GST | ₹12,500 + GST |
| Annual Fee Waiver | Spend ₹10 lakh in the previous year | Spend ₹10 lakh in the previous year |
| Reward Rate (Base) | 3% (flat on most retail spends, with caps on some categories) | 3.3% (5 Reward Points per ₹150 spent) |
| Reward Rate (Accelerated) | Higher multipliers on flights and hotels (up to 36% on hotels via iShop) | Up to 16.5% on flights/gift vouchers, 33% on hotel bookings via SmartBuy |
| Lounge Access | Unlimited complimentary domestic and international lounge access (Primary & Add-on cardholders, via Priority Pass/DragonPass) | Unlimited complimentary domestic and international lounge access (via Priority Pass) |
| Golf Privileges | Unlimited complimentary rounds/lessons of golf | Unlimited complimentary rounds/lessons of golf |
| Hotel Memberships | Taj Epicure Plus membership | Club Marriott membership |
| Reward Point Redemption CAP (Monthly) | Up to 18,000 points monthly (accelerated via iShop) | Up to 15,000 points monthly (accelerated via SmartBuy) |
| Eligibility/Application | Invite-only, relationship-driven (for ICICI private banking customers) | Invite-only, often offered as an upgrade based on existing credit limit and spending history |
| Reward Point Validity | Up to 3 years from date of receiving | Typically 3 years from accrual date (verify with HDFC Bank) |
| Add-on Cards | Up to 3 complimentary add-on cards | Up to 3 complimentary add-on cards |
While both cards offer competitive benefits, the ICICI Emeralde Private Metal card focuses on a flat reward rate and iShop multipliers, whereas HDFC Infinia uses its SmartBuy platform for higher accelerated rewards.
Fees & Charges 2026
The ICICI Bank Emeralde Private Metal Credit Card carries a joining fee of ₹12,499 plus GST. Its annual renewal fee is also ₹12,499 plus GST, which can be waived if card spends exceed ₹10 lakh in the preceding year.
| Charge Type | Amount (₹) | Details |
|---|---|---|
| Joining Fee | 12,499 + GST | Applicable for the ICICI Bank Emeralde Private Metal Credit Card. |
| Annual Fee | 12,499 + GST | Waived if annual retail spends reach ₹10 lakh in the previous year (from second year onwards). |
| Difference vs. Plain Emeralde | 500 higher | The Emeralde Private Metal card’s fee is ₹500 higher than the standard ICICI Emeralde (non-metal) card. |
| Forex Markup Fee | 1.99% – 2% | A low markup on international transactions. |
| Dynamic Currency Conversion (DCC) Fee | 2% | Applicable on Emeralde Metal, Emeralde Private, and Emeralde (PVC) cards, effective February 2026. |
| Transportation Transaction Charge | 1% | For transactions exceeding ₹50,000 on ICICI Bank retail credit cards, effective February 2026. |
| Cash Advance Fee | No Fee | The card does not levy a fee for cash advances. |
| Fuel Surcharge Waiver | 1% | Waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹1,000 per billing cycle. Fuel transactions do not earn reward points. |
The card’s fee structure positions IT as a premium offering, with a significant annual spend threshold for fee waiver, aligning with its target high-net-worth clientele.
Official Resources & Support
Accessing accurate information for the ICICI Emeralde Private Metal Credit Card in 2026 is for high-net-worth individuals. ICICI Bank’s official channels provide details on this invite-only card, with application decisions typically taking 5-7 days and card delivery within 10-14 days.
| Resource | Type | Where to Access |
|---|---|---|
| ICICI Bank Official Website | Official Information & Application | icicibank.com → Credit Cards → Emeralde Private Metal |
| ICICI Bank iMobile app | Account Management & Pre-approved Offers | Mobile application |
| ICICI Bank Net Banking | Account Management | Online portal |
| ICICI Credit Card Helpline | Customer Support | 1860 120 7777 |
| ICICI Bank Relationship Manager | Eligibility Check & Application Assistance | Direct contact for Wealth/Private customers |
| Priority Pass Website | International Lounge Directory | prioritypass.com/airport-lounges |
| Golftripz Website | Golf Booking Portal | teetimes.truztee.com |
| BookMyShow | Movie/Event Ticket Booking | bookmyshow.com (for complimentary tickets) |
| EazyDiner Prime | Dining Membership | eazydiner.com |
| Taj Epicure | Hospitality Membership | tajhotels.com/epicure |
For specific eligibility or application details, contacting an ICICI Bank relationship manager is the recommended first step, especially for this exclusive card.
Key Takeaways
- The ICICI Emeralde Private Metal Credit Card is an invite-only product, primarily for high-income and high-net-worth individuals.
- A CIBIL score of 750+ is preferred for eligibility, and existing ICICI cardholders may need a credit limit of approximately ₹10 lakh for upgrade offers.
- Official application can be initiated via icicibank.com or through an ICICI Bank relationship manager, with no physical documents typically required.
Contact your ICICI Bank relationship manager or visit icicibank.com to check your eligibility for the Emeralde Private Metal Credit Card.
Frequently Asked Questions (FAQs)
What are the key benefits of the ICICI Emeralde Private Metal Credit Card in 2026?
The ICICI Emeralde Private Metal Credit Card offers unlimited complimentary international and domestic lounge access for primary and add-on cardholders. Cardholders also receive unlimited complimentary golf rounds or lessons, booked via the Golftripz website. You earn 6 ICICI reward points on every ₹200 spent, redeemable at 1:1 value.
Is the ICICI Emeralde Private Metal Credit Card an invite-only card?
Yes, the ICICI Emeralde Private Metal Credit Card is an invite-only premium credit card. IT is extended to high-income individuals who meet specific criteria set by ICICI Bank. This exclusivity ensures the card caters to a select segment of customers.
What is the eligibility criteria for the ICICI Emeralde Private Metal Credit Card?
ICICI Bank extends invitations for the Emeralde Private Metal Credit Card to high-net-worth individuals. While specific income thresholds are not publicly disclosed, a strong financial profile and existing relationship with ICICI Bank are typically required. Applicants must generally be between 21 and 65 years of age.
Can I get add-on cards with the ICICI Emeralde Private Metal Credit Card?
Yes, you can avail up to three complimentary add-on cards with your ICICI Bank Emeralde Private Metal Credit Card. These add-on cards also provide benefits like unlimited complimentary lounge access. This allows family members to enjoy similar premium privileges.
How do I redeem reward points earned on the ICICI Emeralde Private Metal Credit Card?
Reward points earned on the ICICI Emeralde Private Metal Credit Card can be redeemed against various products, travel vouchers, and movie tickets. Each reward point holds a value of ₹1. Points can also be transferred to the Air India Maharaja Club at a 1:1 ratio, offering flexibility for travel enthusiasts.
Does the ICICI Emeralde Private Metal Credit Card offer complimentary golf access?
Yes, the ICICI Emeralde Private Metal Credit Card provides unlimited complimentary rounds or lessons of golf. This benefit can be booked through the Golftripz website using the email ID registered with your ICICI Bank Credit Card. This is a significant perk for golf enthusiasts.
What are the movie and event ticket benefits for ICICI Emeralde Private Metal Credit Card holders in 2026?
Starting April 1, 2026, to avail complimentary movie or event tickets via BookMyShow, you must spend ₹25,000 or more on your Emeralde Private Metal Credit Card within the preceding spends quarter. This update ensures the benefit is tied to active card usage. This applies to both the Emeralde and Emeralde Private Metal cards.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.