Credit Card Compare

ICICI Bank Emeralde Private Metal Credit Card

Data last updated 7 October 2026
45.00%
Purchase rate
₹12,499
Annual fee
12,500
Bonus points
Application

CardIQ

26Basic

Basic

Overall score, out of 100 · How this works

  • Airport lounge23
  • Rewards16
  • Travel38

Customer reviews

No reviews yet. Be the first to review the ICICI Bank Emeralde Private Metal Credit Card.

Pros & cons

What's good

    Worth noting

      Card details

      The basics

      Additional cardholder fee
      ₹3,500 p.a.
      Card tier
      Not published
      Card type
      Not published
      Card use
      Personal
      Credit limit
      Not published
      Credit rating
      Not published
      Rewards program
      ICICI Bank reward points

      Eligibility

      Instant approval
      Not published
      Joint application
      Not published
      Minimum age
      21 years old
      Minimum income
      Not specified
      Residency
      Not published
      Temporary residents
      Not published

      Rates & fees

      Ongoing interest rates

      Cash advances
      45.00% p.a.
      Purchases
      45.00% p.a.

      Fees

      Additional cardholder fee
      ₹3,500
      Annual fee
      ₹12,499 p.a.
      Cash advance fee
      —
      Foreign transaction fee
      2%
      Late payment fee
      ₹0

      Repayments

      Interest-free period
      Up to 48 days on purchases
      Minimum repayment
      5% of (retail spends + cash advance + finance charge) plus GST, EMI principal and interest, fees and charges, any over-limit amount and any unpaid minimum due from the previous statement; where 5% of those amounts is less than the finance charge, 100% of the finance charge plus 5% of retail spends and cash advance (ICICI Bank MITC, from 1 March 2026)

      Balance transfers

      This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

      Introductory purchase offer

      This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

      Rewards

      Earn rate

      Everyday spend
      6 reward points per ₹200
      Bonus categories
      None
      Other purchases
      None
      Overseas spend
      None
      Reduced rate above monthly cap
      None
      Points cap
      Uncapped
      Points expiry
      —

      Sign-up bonus

      Bonus spend required
      Joining benefits after payment of the joining fee: Taj Epicure Plus membership, EazyDiner Prime membership and 12,500 reward points (invitation-only card)
      Sign-up bonus
      12,500 points

      Where this card sits vs similar cards

      Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

      Purchase rate45.00%Tied for best (1st of 11 cards)
      Overseas fee2.00%Top 25% (3rd of 11 cards)
      Rewards value₹6,750 a yearNot as good as most cards (5th of 7 cards)
      Interest-free days48 daysNot as good as most cards (8th of 11 cards)
      Annual fee₹12,499 a yearAmong the most expensive (11th of 11 cards)

      Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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      Compare the ICICI Bank Emeralde Private Metal Credit Card against every other card in its category.

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      Questions and answers

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      Sources

      Credit Card Compare
      How CardIQ scores cards
      Issuer
      ICICI Bank