Mastercard ★ Metal Edition 📡 Contactless NFC

ICICI Emeralde Private Metal Credit Card

Joining Fee₹12,499

Annual Fee₹12,499

Forex Markup 2%

Application ModeDirect via Bank Website

⚖️ Card Verdict & Target Persona

Who Should Apply

Ultra-high-net-worth spenders seeking 3% flat return across all categories (1 RP = ₹1.00), low 2.0% forex markup, unlimited global airport lounge access, and ₹1,500/month BookMyShow savings.

Who Should Avoid

Users who cannot reach the ₹10 Lakh annual spend fee waiver or individuals seeking airline frequent flyer point transfers.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

12,500 Reward Points (worth ₹12,500) + Taj Epicure Executive Membership + EazyDiner Prime Annual Membership upon payment of joining fee

3% Flat Return Across Spends (1 RP = ₹1)

Earn 6 ICICI Reward Points per ₹200 (3.0% flat valueback) on all retail spends with no category exclusions on insurance and utilities.

Unlimited Global Airport Lounge Access

Unlimited complimentary domestic and international airport lounge access worldwide for primary and add-on members.

12,500 Welcome Points & Luxury Memberships

12,500 Reward Points (worth ₹12,500) + Taj Epicure and EazyDiner Prime annual memberships upon joining fee payment.

💰 Reward Structure & Point Valuation

1 ICICI Reward Points = ₹1

Standard Base Earning

6 ICICI Reward Points per ₹200 spent on all regular retail purchases (3.0% return; 1 RP = ₹1.00)

Accelerated / Partner Rate

6 ICICI Reward Points per ₹200 (3.0% return; 1 RP = ₹1.00) across all retail categories including insurance, utilities, and education; Buy 1 Get 1 free on BookMyShow (up to ₹750 off per ticket twice a month, saving ₹1,500/mo); 2.0% low forex markup fee; Unlimited complimentary golf rounds/lessons

Points Validity:36 Months

Redemption Fee: ₹0 (Free)

Redemption Modes: Direct 1:1 Statement Cash Credit / Vouchers via ICICI Rewards Portal (1 RP = ₹1.00), Flight and Hotel Bookings via ICICI Travel Portal (1 RP = ₹1.00), Apple and Luxury Merchandise Catalogs

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Rent Payments Government Transactions Cash Advances

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge VisitsUnlimited complimentary domestic airport lounge access for primary and add-on cardholders

🌐

International Lounge VisitsUnlimited complimentary international airport lounge access worldwide via Priority Pass for primary and add-on cardholders

⚠️

Spend Criteria: None (Unconditional VIP global access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹1,000,000/yr

Annual renewal fee of ₹12,499 + GST is waived off on spending ₹10,00,000 or more in the previous anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Mastercard metal network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (Capped at ₹500/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 65 Years

Min. Monthly Income₹250,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):1.50% to 3.50% per month (18.0% to 42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,200

Official Bank Portal Application

Get the ICICI Emeralde Private Metal Credit Card

Annual Fee: ₹12,499/yr (Waivable)

Personalized Card Matcher

Still Confused About Your Best Match?

Don’t guess your cashback. Tell CardGuru your monthly grocery, UPI, and online shopping spends to calculate your exact net rupee returns in 10 seconds.

⚡ Instant Net Yield Math•🛋️ Lounge Fee Gate Check•🆓 100% Free & Impartial

Ask CardGuru Now→Takes less than 15 seconds

Best Credit Cards for 750 CIBIL Score LTF Cards for Salary Under ₹250,000 All ICICI Bank Credit Cards Lounge Access Credit Cards Best Mastercard Credit Cards

Frequently Asked Questions

No, ICICI Emeralde Private Metal Credit Card has a joining fee of ₹12499 and an annual renewal fee of ₹12499 (plus applicable taxes).