ICICI Emeralde Private Metal Credit Card 2025
Unlock up to ₹1,50,000+ value every year on luxury travel, golf, dining & elite memberships!
For ultra-high net worth individuals seeking the best metal card experience, the ICICI Emeralde Private Metal Credit Card is elite!
Get unlimited lounge access worldwide, 30 reward points per ₹200 (6% value), 50 golf rounds/year, EazyDiner Prime, Club Vistara Gold, Taj Epicure+, 1% fuel waiver, 50,000 welcome points, concierge service, and invite-only status!
Perfect for HNIs with ₹15L+ monthly spends – true luxury metal card!
Why This Is The Best Super-Premium Metal Card in 2025?
Unlimited global lounges • 6% rewards everywhere • 50 golf rounds • Premium memberships • 1% fuel waiver • 50K welcome points • Metal card • Concierge.
Best for: HNIs, frequent international travelers, golfers, luxury diners
Card At a Glance
₹12,500 + GST
₹12,500 + GST (waived on ₹15L)
6% on All Spends
2% + GST
Unlimited Domestic/Intl
50 Rounds/Year
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹12,500 + GST |
| Annual Fee | ₹12,500 + GST (waived on ₹15L spend) |
| Welcome Benefit | 50,000 Reward Points on activation |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 2% + GST |
| Interest Rate | 3.6% per month |
| Lounge Access | Unlimited domestic/international |
| Cash Advance Limit | 20% of credit limit |
Detailed Reward Rates (2025)
- 30 Reward Points per ₹200 on ALL spends (6% value)
- 1 point = ₹0.20 cashback / ₹1+ airmiles (1:1 transfer)
- No exclusions except wallet loads
- Points valid 3 years
- Transfer to 20+ airlines/hotels
- Milestone: 37,500 RP at ₹10L quarterly
Airport Lounge Access
- Unlimited complimentary visits to domestic lounges
- Unlimited international lounge access via Priority Pass
- Primary + 3 add-on cardholders
- 8 guest visits/quarter (domestic)
- No spend criteria required
Insurance & Protection Benefits
- ₹3 Cr air accident cover
- ₹50L emergency overseas hospitalization
- ₹2 Cr personal accident cover
- 24/7 global concierge service
- 3 free add-on cards
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 6% rewards on EVERYTHING | Invite-only (hard to get) |
| Unlimited global lounge access | ₹15L spend for fee waiver |
| 50 golf rounds + premium memberships | High ₹12.5K fee |
| Metal card + concierge | Wallet loads excluded |
| Best airmiles transfer ratios | Very high income requirement |
Eligibility Criteria & Documents Required
- Invite Only – ICICI Private Banking/Wealth Management
- Min Monthly Income: ₹15,00,000
- Min Annual ITR: ₹1.8 Cr
- Existing relationship preferred
- Documents: PAN, Aadhaar, ITR, Bank statements
How to Apply (Invitation Process)
- Contact ICICI Private Banking RM
- Receive invitation + pre-approval
- Submit documents + video verification
- Metal card delivered in 7-10 days
Final Verdict – Should You Get It in 2025?
If you spend ₹15L+ monthly & want the best metal card experience, get ₹1-2L value annually. Top super-premium card for HNIs – ultimate luxury in 2025!
Frequently Asked Questions (FAQs)
How to get invitation?
Contact ICICI Private Banking with ₹1.8Cr+ ITR.
6% on all spends really?
Yes, 30 RP/₹200 everywhere except wallet loads.
Best airmiles partner?
1:1 transfer to Vistara, Air India, Singapore Airlines.
Guest lounge access?
8 guest visits/quarter (domestic lounges).