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ICICI Emeralde Private Metal

🇮🇳 India · ICICI Bank

ICICI Emeralde Private Metal

Name: ICICI Emeralde Private Metal
Brand: ICICI Bank
Rating: 4.8 (50 reviews)

High-net-worth families wanting universal 6 ICICI points/₹100.

4.8 / 5

Joining fee

₹12,499

Annual fee

₹12,499

Top reward

Min income

₹5,000,000

Apply at ICICI Bank ← Back to all cards

External link to ICICI Bank’s own application page.

The ICICI Emeralde Private Metal costs ₹12,499 a year, waived at ₹10,00,000 annual spend. It earns 3% on all spends. Forex markup is 2%. These figures are from our catalog and have not yet been re-verified against the issuer.

5-year value calculator

How much ICICI Emeralde Private Metal actually pays you over time, net of annual fees.

Your monthly spend₹50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards₹18,000

Annual fee−₹12,499

Fee waiver triggers at ₹1,000,000 annual spend. You're currently at ₹600,000. Bump monthly spend to ₹83,334 to clear it.

Cumulative net value

+₹27,505

over 5 years

Year 1

₹5,501

+₹5,501/yr

Year 2

₹11,002

+₹5,501/yr

Year 3

₹16,503

+₹5,501/yr

Year 4

₹22,004

+₹5,501/yr

Year 5

₹27,505

+₹5,501/yr

Year 1 (with bonus)

₹5,501

Year 2+ (steady state)

₹5,501/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

What does the ICICI Emeralde Private Metal earn?

What you earn back, by category.

Everything else

📈

🎁

Welcome bonus

Taj Epicure + EazyDiner Prime memberships + 12,500 reward points

What do you get with the ICICI Emeralde Private Metal?

Unlimited domestic + international lounge access for self & guest
6 reward points per ₹200 (effectively 3%); caps: grocery / education / utility 1,000 pts per cycle, insurance 5,000 pts
No reward points on rent, fuel, government, tax, or wallet loads
Taj Epicure annual membership included
24x7 concierge + Golf privileges
2% forex markup

Who qualifies for the ICICI Emeralde Private Metal?

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income

₹5,000,000

Min credit score

800+

Self-employed

Eligible

Points value

What 1 ICICI Emeralde Private Metal point is actually worth

Best redemption is 7.5× the worst

Same points, wildly different values depending on redemption. Most cardholders default to the boring option and never see the upside. Here's the full ladder for ICICI Emeralde Private Metal: