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ICICI Bank Emeralde Private Metal Credit Card
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Quick facts
ICICI Bank Emeralde Private Metal Credit Card
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ICICI Bank Emeralde Private Metal Credit Card
Invitation-style metal card above Sapphiro for high spenders.
Key Benefits
Realistic net value (moderate user)
-₹8,952/year
Annual fee
₹12,000
High annual fee — may not pay off at moderate spend
At ₹40,000/mo (our moderate profile), net value is -₹8,952/yr after fees. Rewards alone turn positive around ₹1,57,470/mo in similar category spends.
Model your spends in the calculator →Issuer headline rate: 4X reward points — see calculator for caps
After ₹12,000 fee & ₹360 forex. Based on ₹40,000/mo spend.
12,400 users matched · Verified 2026-06-25
Apply directly with the bank. We never call you. The bank may contact you on their application form.
We earn commission if approved — at no cost to you. Zero sales calls.
Our transparency commitment
✓ Reward caps shown in absolute ₹ — not just "5% cashback"
✓ Exclusions listed upfront — fuel, EMI, rent, wallet
✓ Point conversions with conservative ₹/point rates
Rates, fees, and eligibility notes are sourced from public issuer information and may contain errors. Always verify on the bank's website before applying.
All Benefits
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
- Lounge: Unlimited domestic & international lounge access — No minimum spend required for lounge access
- Travel: 4X reward points
- Other spends: 2X reward points
- Unlimited lounge access
- Golf & spa
- Concierge & EazyDiner
- Forex markup: 2%
- Best for: Ultra-premium ICICI customers
Source: ICICI Emeralde T&Cs
High income, metal cards, max perks
UPI rewards (credit on UPI)
UPI credit not supportedVisa/Mastercard — UPI credit not supported.
UPI credit uses RuPay-linked cards on apps like GPay, PhonePe, and Paytm. Rates and exclusions follow issuer MITC — verify before relying on UPI for rewards.
Reward Structure
Source: ICICI Emeralde T&Cs
Travel
4X reward points
Other spends
2X reward points
Excluded categories (no rewards)
Lounge access
Unlimited domestic & international lounge access
Spend criteria: No minimum spend required for lounge access
Forex markup
2%
What You Actually Earn (in ₹)
Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.
Gross rewards / year
₹3,408
Before fees & forex
Costs / year
₹12,360
Fee ₹12,000 + forex ₹360
Net value / year
-₹8,952
-1.86% effective return on spend
Points earned (all categories)
≈ 710 pts/mo (8,520 pts/yr) before caps · at ₹0.40/pt that's ~₹284/mo (~₹3,408/yr) in reward value
Category-wise breakdown
Travel & flights
Spend ₹5,000/mo · 6 pts per ₹150 spend
₹960/year
₹80/mo
₹5,000 → 200 pts/mo × ₹0.40/pt = ₹80/mo200 pts/mo (2,400 pts/yr) × ₹0.40/pt → ₹80/mo
All other eligible spends
Spend ₹25,500/mo · 3 pts per ₹150 spend
₹2,448/year
₹204/mo
₹25,500 → 510 pts/mo × ₹0.40/pt = ₹204/mo510 pts/mo (6,120 pts/yr) × ₹0.40/pt → ₹204/mo
Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.
Best for
- →Ultra-premium ICICI customers
- →Golf & spa users
Points → INR Conversion Guide
Marketing says "10X points" — here's what that actually means in your pocket.
travel — 6 pts per ₹150 spend
You spend
₹10,000
You earn
400 pts
Worth ≈
₹160
@ ₹0.40/point
all — 3 pts per ₹150 spend
You spend
₹10,000
You earn
200 pts
Worth ≈
₹80
@ ₹0.40/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.40/pt in calculations.
Still deciding? Compare side-by-side or get a personalized shortlist.
Fees & Charges — Full Disclosure
All amounts in INR. Everything that can reduce your net value.
Joining fee
Charged in first year
₹12,000
Annual / renewal fee
Charged every year unless waived
₹12,000
Forex markup
2%
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user net math
Eligibility Snapshot
Public criteria from ICICI Emeralde T&Cs. Bank makes final decision.
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
FAQ
How much can I actually earn with ICICI Bank Emeralde Private Metal Credit Card?+
At moderate spend (₹40,000/mo), gross rewards are about ₹3,408/year. After the ₹12,000 annual fee, net value is approximately -₹8,952/year. Use the calculator above to model your own spends.
What is the minimum income for ICICI Bank Emeralde Private Metal Credit Card?+
₹1,00,000/month for salaried applicants (indicative — bank decides).
What spends do NOT earn rewards?+
EMI, Fuel, Rent, Wallet.
Does CardHungry pull my CIBIL score?+
No. We use public eligibility criteria only. The bank will check CIBIL when you apply.
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Compare all →Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.