The ICICI Emeralde Private Metal has a ₹12,499 annual fee (waived on ₹10 lakh annual spend), earns 6 reward points For Every ₹200 on Retail, includes unlimited domestic & international lounge access and charges a 2% forex markup.
| Annual fee | ₹12,499 |
|---|---|
| Joining fee | ₹12,499 |
| Annual fee waived | On ₹10 lakh annual spend |
| Base rewards | 6 reward points For Every ₹200 on Retail |
| Lounge access | Unlimited domestic & international lounge access |
| Forex markup | 2% |
From issuer benefit data, checked 25 Oct 2026. Top reward rate is the card's best partner or category rate; base rewards is the general earn rate. Caps and exclusions are under Key Benefits.
Key Benefits
Live offers on this card
187 online offers across 106 brands right now, each valid for at least another 7 days. Checked 24 Oct.
- EaseMyTrip: Flat Rs.15000 Discount · till 31 Mar 2027
- Croma: Rs.14000 Discount · till 31 Oct
- ixigo: Get Upto Rs.2500 off · till 31 Oct
- Paytm: Flat Rs.750 off · till 31 Dec
- MakeMyTrip: Upto 35% Instant Discount · till 31 Oct
These are ICICI Bank's own offers and Mastercard network offers, so they apply to every ICICI Bank Mastercard card, not just this one. All ICICI Bank offers by category.
People Also Asked
More about the Icici Emeralde Private Metal Credit Card
Is the Icici Emeralde Private Metal Credit Card worth it in 2026?
The Icici Emeralde Private Metal Credit Card offers 6 Rewards Points for every Rs.200 spent on insurance, grocery, education, utilities, and retail. With a joining fee and annual fee of Rs.12499, it is worth it for users who can leverage the high rewards and spend Rs.10 lakh annually to waive the fee.
Who should get the Icici Emeralde Private Metal Credit Card?
This card is ideal for high spenders who frequently spend on insurance, groceries, education, utilities, and retail categories. Users who travel often and can spend Rs.10 lakh annually to waive the annual fee will benefit the most.
How to maximise rewards on the Icici Emeralde Private Metal Credit Card?
To maximise rewards, focus spending on insurance, grocery, education, utilities, and retail categories to earn 6 Rewards Points for every Rs.200. Additionally, aim to spend Rs.10 lakh annually to get the annual fee waived.
Is the Icici Emeralde Private Metal Credit Card good for international travel?
Yes, the card offers unlimited international lounge access with Priority Pass membership, making it suitable for frequent international travelers seeking premium lounge benefits.