Credit Card Compare

ICICI Bank Emeralde Private Metal Credit Card

Data last updated 7 October 2026
45.00%
Purchase rate
₹12,499
Annual fee
12,500
Bonus points
Application

CardIQ

26Basic

Basic

Overall score, out of 100 · How this works

  • Airport lounge23
  • Rewards16
  • Travel38

Customer reviews

No reviews yet. Be the first to review the ICICI Bank Emeralde Private Metal Credit Card.

Pros & cons

What's good

  • 12,500 bonus points to start, worth around ₹3,130 at our ₹0.25-per-point valuation.
  • Complimentary airport lounge access.
  • Complimentary concierge service.
  • 2% foreign transaction fee, below the 3.5% most cards charge.

Worth noting

  • Plus GST. Same joining and annual fee; annual fee waived if you spend over ₹10,00,000 a year, not counting rent, government and education payments. The ₹12,499 annual fee is still toward the top of the market (the median is ₹999).
  • Up to 48 interest-free days on purchases (below the 50-day median).

Card details

The basics

Additional cardholder fee
₹3,500 p.a.
Card tier
Not published
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
ICICI Bank reward points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
21 years old
Minimum income
Not specified
Residency
Not published
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹3,500
Annual fee
₹12,499 p.a.
Cash advance fee
—
Foreign transaction fee
2%
Late payment fee
₹0

Repayments

Interest-free period
Up to 48 days on purchases
Minimum repayment
5% of (retail spends + cash advance + finance charge) plus GST, EMI principal and interest, fees and charges, any over-limit amount and any unpaid minimum due from the previous statement; where 5% of those amounts is less than the finance charge, 100% of the finance charge plus 5% of retail spends and cash advance (ICICI Bank MITC, from 1 March 2026)

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
6 reward points per ₹200
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
Joining benefits after payment of the joining fee: Taj Epicure Plus membership, EazyDiner Prime membership and 12,500 reward points (invitation-only card)
Sign-up bonus
12,500 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Purchase rate45.00%Tied for best (1st of 11 cards)
Overseas fee2.00%Top 25% (3rd of 11 cards)
Rewards value₹6,750 a yearNot as good as most cards (5th of 7 cards)
Interest-free days48 daysNot as good as most cards (8th of 11 cards)
Annual fee₹12,499 a yearAmong the most expensive (11th of 11 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

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Issuer
ICICI Bank