Invite-only metal card for luxury rewards and unlimited access.
Base
6 RP per Rs 200, about 3% reward value
iShop
6X flights/vouchers, 12X hotels; bonus cap 18K/month, 10K/day
Welcome
12,500 RP after joining-fee payment + Taj Epicure Plus
Lounge
Unlimited domestic + international access
Fee
Rs 12,499 + GST, waived at Rs 10L spends
6 Reward Points per Rs 200 on eligible retail spends, worth up to Rs 1 per point on flights, hotels and premium brand vouchers Grocery, education and utilities: 1,000 RP/statement each. Product page and section 5(f) say insurance 5,000 RP, but the same dated PDF’s MCC table says 1,000. Confirm the applicable insurance cap with ICICI before a large premium payment
6X eligible flights/vouchers and 12X hotels, with 18,000 bonus RP/month and 10,000 bonus RP/day caps; live portal merchant terms apply
12,500 Reward Points, Taj Epicure Plus membership with one free night, and EazyDiner Prime membership
Unlimited domestic and international airport lounge access, including access for Plus or add-on card members.
Unlimited complimentary golf plus BookMyShow buy-one-get-one offers up to Rs 750 twice per month.
BookMyShow benefits cover movies, sports, events, theatre and concerts, subject to ICICI offer terms.
| Eligibility | Invite-only through a branch or relationship manager, generally influenced by high salary credit, ITR, an ICICI Wealth/Private relationship or bank profitability |
|---|---|
| Joining fee | Rs 12,499 + GST, approximately Rs 14,749 after GST |
| Annual fee | Rs 12,499 + GST; waived on Rs 10 lakh annual spends |
| Welcome benefit | 12,500 Reward Points, Taj Epicure Plus membership with one free night, and EazyDiner Prime membership |
| Renewal benefit | 12,500 Reward Points on annual fee payment |
| Base rewards | 6 Reward Points per Rs 200 on eligible retail spends, worth up to Rs 1 per point on flights, hotels and premium brand vouchers |
| Category caps | Grocery, education and utilities: 1,000 RP/statement each. Product page and section 5(f) say insurance 5,000 RP, but the same dated PDF’s MCC table says 1,000. Confirm the applicable insurance cap with ICICI before a large premium payment |
| No rewards | Government services, tax, rent, property management, wallet loads and fuel do not earn rewards |
| Milestone benefit | EaseMyTrip air travel vouchers worth Rs 6,000 on Rs 8 lakh annual spends, split as Rs 3,000 at Rs 4 lakh and Rs 3,000 at Rs 8 lakh |
| iShop accelerators | 6X eligible flights/vouchers and 12X hotels, with 18,000 bonus RP/month and 10,000 bonus RP/day caps; live portal merchant terms apply |
| Lounge access | Unlimited domestic lounge access via Mastercard and unlimited international lounge access via Priority Pass, including add-on card members |
| Golf | Unlimited complimentary golf rounds and lessons every month, subject to programme terms |
| BookMyShow | Buy-one-get-one offer up to Rs 750 off on the second ticket, twice per month for movies, sports, events, theatre or concerts |
| Forex markup | 2% + GST on international transactions |
| Fuel surcharge waiver | 1% fuel surcharge waiver on fuel transactions up to Rs 4,000, capped at Rs 1,000 per calendar month |
| Redemption value | Flights, hotels and luxury brand vouchers can value 1 RP at Rs 1; other catalogue products are around 60p/RP and statement credit around 40p/RP |
| Statement-credit limit | ₹0.40/RP with a maximum 50,000 RP redeemed per statement cycle; ₹1 travel/catalogue value is not statement cashback |
Public issuer terms checked 3 October 2026.
ICICI’s product page and detailed terms conflict on the insurance cap (5,000 versus 1,000 RP). Ask ICICI to confirm your applicable cap before a large premium payment.
ICICI Emeralde Private Metal is ICICI Bank's most serious super-premium competitor to HDFC Infinia and DCB Metal. It is invite-only, expensive, and aimed at high-income or private-banking relationships.
The headline value is clean: 6 RP per Rs 200 on most eligible spends, with points worth up to Rs 1 for flights, hotels and premium brand vouchers. That puts the practical base reward rate around 3%, before iShop and milestone benefits.
It is strongest for users who can use the luxury stack: Taj Epicure Plus, EazyDiner Prime, BookMyShow BOGO, unlimited golf and unlimited domestic plus international lounge access. If you only want cashback, this is too premium and too relationship-led.
Reward exclusions
Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.
Grocery, education and utilities each have a 1,000-point statement-cycle cap. Insurance earns capped rewards, but the issuer’s terms show inconsistent cap figures; confirm the applicable insurance cap with ICICI before a large premium payment.
Yes. It is an invite-only credit card issued through branch or relationship-manager channels, with approval decided case by case by ICICI Bank.
The joining and annual fee is Rs 12,499 plus GST. The annual fee is waived at Rs 10 lakh annual spends.
It earns 6 Reward Points per Rs 200 on eligible retail spends. When redeemed for flights, hotels or selected premium brand vouchers at Rs 1 per point, that is about 3% reward value.
Yes. The card includes unlimited domestic and international airport lounge access, with the benefit extending to add-on or Plus card members subject to current terms.
6X eligible flights/vouchers and 12X hotels, with 18,000 bonus RP/month and 10,000 bonus RP/day caps; live portal merchant terms apply
Government services, tax, rent, property management, wallet loads and fuel do not earn rewards. Grocery, education, utilities and insurance earn capped rewards; confirm the insurance cap with ICICI because its published sources conflict.
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Emeralde Private is invitation-only