ICICI Bank Emeralde Private Metal Credit Card 2025
Save over ₹1,00,000+ every year with unlimited lounges, high rewards, Taj stays, golf perks & luxury benefits!
If you are a high spender who travels frequently and loves luxury perks, the ICICI Bank Emeralde Private Metal Credit Card is an invite-only super-premium card for you!
You get unlimited lounge access worldwide (domestic + international via Priority Pass for primary + add-ons), 6 reward points per ₹200 (3% return) on all retail spends including insurance/utilities/education, up to 18% return on iShop travel, 1:1 airmiles transfer to select partners, 2% forex markup, complimentary Taj Epicure membership (1st year), unlimited golf rounds, up to ₹6,000 milestone vouchers, EazyDiner Prime, and ₹12,499 fee waived on ₹10 Lakh annual spend.
Reward points redeem at 1:1 for travel/hotels via iShop – ideal for affluent travelers!
Why This Is The Best Invite-Only Super-Premium Card in 2025?
Unlimited lounges for primary + add-ons • 3% base rewards on all spends • Up to 18% on iShop travel • 1:1 airmiles transfers • 2% forex + Global Value cashback • Taj Epicure (1st year) • Unlimited golf • ₹6,000 milestone vouchers • Fee waiver on ₹10L spend.
Best for: High-net-worth individuals, frequent flyers, luxury travelers, golf enthusiasts
Invite-Only Card – ₹12,499 Fee Waived on ₹10 Lakh Annual Spend
Card At a Glance
₹12,499 + GST
₹12,499 + GST (Waived on ₹10L spend)
3% Base | Up to 18% on iShop
RP (1 RP = ₹1 on Travel)
Unlimited Domestic + International
2%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹12,499 + GST |
| Annual Fee | ₹12,499 + GST (Waived on ₹10 Lakh spend) |
| Welcome Benefit | 12,500 RP + Taj Epicure (1st Year) |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 2% + GST |
| Interest Rate | 3.6% per month |
| Fuel Surcharge Waiver | 1% (₹400–₹5,000 txn, max ₹500/month) |
Detailed Reward Rates (2025)
- 6 Reward Points per ₹200 (3% return) on all retail spends including insurance, utilities, education
- Up to 36 RP per ₹200 (18% return) on iShop travel/hotels/flights
- 1:1 Airmiles Transfer to select partners (Air India, Vistara, etc.)
- 1 RP = ₹1 on iShop travel/hotels | ₹0.40 statement credit | Up to ₹1 for vouchers
- No rewards on fuel, rent, wallet loads, government payments
- Points never expire while card active
Airport Lounge Access
Unlimited domestic lounges for primary + add-on cardholders (Visa/Mastercard network)
Unlimited international lounges via Priority Pass (1,300+ worldwide)
No spend requirement • For primary + up to 3 add-ons
Insurance & Protection Benefits
- ₹3 Crore air accident cover
- ₹50 Lakh overseas hospitalization
- ₹12,000 flight/hotel cancellation cover
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Unlimited lounges for primary + add-ons | Invite-only (₹30L+ income required) |
| 3% base rewards on all spends | High ₹12,499 fee (waive on ₹10L spend) |
| Up to 18% on iShop travel | No rewards on fuel/rent/wallet |
| 2% forex + Taj Epicure (1st year) | Taj membership not renewable annually |
| Unlimited golf + EazyDiner Prime | Limited airmiles partners |
| ₹6,000 milestone vouchers |
Eligibility Criteria & Documents Required
- Age: 21–60 years (salaried) | 21–65 years (self-employed)
- Minimum Annual Income: ₹30 Lakh (invite-only)
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar, salary slip/ITR, bank statement (contact ICICI RM)
How to Apply (Invite-Only Process)
- Contact your ICICI Relationship Manager or visit branch for invitation
- Express interest → Get pre-approval based on profile
- Submit PAN, Aadhaar & income proof
- Video KYC (2–3 minutes)
- Metal card approved & dispatched in 7–10 days
Final Verdict – Should You Get It in 2025?
If you spend ₹1 Lakh+ monthly on travel & lifestyle, Emeralde Private delivers ₹80,000+ value yearly from lounges, rewards & perks – despite high fee. Invite-only for HNIs, it rivals Infinia with better forex & golf. If eligible, it's a luxury must-have!
Frequently Asked Questions (FAQs)
Is it invite-only?
Yes, for select ICICI customers with ₹30L+ income & strong relationship.
How to waive the fee?
Spend ₹10 Lakh in previous year (excludes fuel, rent, govt).
Do points expire?
No, while card is active & in good standing.
Unlimited lounges include add-ons?
Yes, primary + up to 3 add-ons get full domestic/international access.
What is iShop value?
1 RP = ₹1 on travel/hotels; up to 36 RP/₹200 (18% return).