ICICI Bank Emeralde Private Metal
ICICI Bank · Checked 2026-10-09
ICICI Bank Emeralde Private Metal is a premium card built around travel benefits, airport lounge access and international spending, with a ₹12,499 annual fee before GST.
CardIQ editorial view
Our take
ICICI Bank Emeralde Private Metal is a premium card built around travel benefits, airport lounge access and international spending, with a ₹12,499 annual fee before GST.
Who it suits
- People who prioritise travel benefits.
- People who prioritise airport lounge access.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 6 points per ₹200 on eligible retail purchases.
- Unlimited eligible international lounge access for the primary holder; membership terms apply.
Trade-offs to understand
- Grocery, utilities and education each have a 1,000-point cap per statement cycle; insurance cap is 5,000 points.
- Unlimited eligible international lounge access for the primary holder; membership terms apply.
- 2% forex markup plus tax; fee-paid joining memberships have activation conditions.
CardIQ verdict
Shortlist it only if you can repeatedly use the premium benefits and comfortably recover the fee. Pay particular attention to this condition: Grocery, utilities and education each have a 1,000-point cap per statement cycle; insurance cap is 5,000 points.
Compare before deciding
- ICICI Bank Emeralde — A lower-fee way to compare similar strengths in airport lounge access and reward points.
- RBL Bank World Safari Plus — A lower-fee way to compare similar strengths in airport lounge access and reward points.
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Benefits, limits and conditions
- Grocery, utilities and education each have a 1,000-point cap per statement cycle; insurance cap is 5,000 points.
- Unlimited eligible international lounge access for the primary holder; membership terms apply.
- 2% forex markup plus tax; fee-paid joining memberships have activation conditions.