ICICI Bank · Mastercard World Elite
ICICI Emeralde Private
An invite-only metal card with 3% reward value, iShop accelerators, Taj/EazyDiner benefits, unlimited lounges and golf.
- Invite only
- Metal
- Luxury
- Earn 6 RP per Rs 200 on eligible retail spends, worth up to Rs 1 per point for flights, hotels and premium brand vouchers.
- Get 12,500 RP on joining and renewal, Taj Epicure Plus, EazyDiner Prime, unlimited lounges, unlimited golf and iShop rewards up to 12X.
- Fee
- Rs 12,499 + GST Waiver at Rs 10L
- Rewards
- 3% base value
- Lounges
- Unlimited
At a glance
ICICI Emeralde Private highlights
- Base
- 6 RP per Rs 200, about 3% reward value
- iShop
- 6X flights/vouchers and 12X hotels
- Welcome
- 12,500 RP + Taj Epicure Plus membership
- Lounge
- Unlimited domestic + international access
- Fee
- Rs 12,499 + GST, waived at Rs 10L spends
ICICI Emeralde Private: fees & key facts
| 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 are capped at 1,000 RP per statement cycle each; insurance is capped at 5,000 RP per statement cycle |
| No rewards | Tax payments, rent pay and fuel transactions 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 rewards on flights and gift vouchers, 12X on hotel bookings, and up to 18,000 bonus points per calendar month |
| 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 |
Last verified 4 July 2026. Issuer terms and offers can change; confirm them before applying.
Who should get it
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.
ICICI Emeralde Private FAQs
Is ICICI Emeralde Private Metal invite-only?
Yes. It is an invite-only credit card issued through branch or relationship-manager channels, with approval decided case by case by ICICI Bank.
What is the ICICI Emeralde Private annual fee?
The joining and annual fee is Rs 12,499 plus GST. The annual fee is waived at Rs 10 lakh annual spends.
What reward rate does Emeralde Private Metal offer?
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.
Does Emeralde Private Metal include unlimited lounge access?
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.
What are the iShop accelerated rewards?
Earn 6X rewards on flight bookings and gift vouchers and 12X on hotel bookings, with a calendar-month bonus cap of 18,000 Reward Points.
What spends do not earn rewards?
Tax payments, rent payments and fuel transactions do not earn rewards. Grocery, education, utilities and insurance do earn rewards but have statement-cycle caps.
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