ICICI Bank
ICICI Bank Emeralde Private Metal Credit Card
Annual Fee
₹14,749₹12,499 + GSTBase Reward
3% points
Foreign Markup
2% of the total transaction amount
Welcome Benefits
Complimentary Taj Epicure and EazyDiner Membership and 12,500 Bonus Reward Points
Product Highlights
- Complimentary Taj Epicure and EazyDiner Prime membership
- Bonus 12,500 ICICI Reward Points
- Unlimited complimentary golf rounds
- Unlimited domestic and international lounge access
Fee Waiver
Waived on spending ₹10 Lakhs or above in the card anniversary year
Reward Calculator
Costs you ₹5,749/year
Break-even needs ~₹40,970/month at your reward mix.
₹25K
across all your buckets
9K
ICICI Reward Points
₹9K
via standard
Effective rate
3.00%
Annual fee
₹14,749
Year 1 net
₹-5,749
Year 2+ net
₹-5,749
ongoing
Adjust your spend by reward bucket
1 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Rent payment surcharge
1%Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.
Wallet load surcharge
1%from Jan 2026Kicks in after ₹5,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)
Utility payment surcharge
1%Kicks in after ₹50,000 cumulative utility spends/cycle
Foreign exchange markup
2%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, rent, wallet, emi, cash advance, utility
Fuel surcharge waiver (good news)
1%capped at ₹1,00,000/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 6 Reward Points for every ₹200 spent across various eligible categories.
- Redeem Reward Points up to ₹1 Value for Hotels, Flights, Vouchers and More
Benefits & Features
Domestic: Unlimited Free Domestic Airport Lounge Access (Present card at lounge reception with boarding pass.) International: Unlimited International Lounge Access With Priority Pass for Primary and Add-on Cardholders (Available for both primary and add-on cardholders.) Unlimited lounge access for primary and add-on cardholders.
Pros & Cons
Pros
- Good reward rate of 3%
- Complimentary domestic and international lounge access for primary and add-on cardholders
Cons
- EaseMyTrip could be a more prominent travel partner for vouchers
Additional Info
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Waived on spending ₹10 Lakhs or above in the card anniversary year