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ICICI Emeralde Private Metal Credit Card

4.2 from 321 Users

All Card USPs

Get Premium Memberships with Taj Epicure Plus

Membership and EazyDiner Prime Membership along with 12,500 Reward Points

Get Unlimited Lounge Access at International & Domestic

airport lounges for both Primary and Plus Card members

Best For

Shopping

Dining

Travel

Joining/Annual Fees

Joining Fees

₹14,749 ( ₹12499 + GST )

Complimentary Taj Epicure Plus Membership, Complimentary EazyDiner Prime Membership, 12,500 reward points as welcome benefit

Annual Fees

₹14,749 ( ₹12499 + GST )

The annual fee is waived if you spend ₹10 lakh or more in a year on your card, as per bank policy.

Eligibility

Age Criteria

21-65 years

Salary Criteria

24 LPA

Credit Rating*

750+

See if you are eligible for this card

Pin Code*

​

Monthly In Hand Income*

​₹
​

Income Type*

Salaried
Self

How to redeem?

Rewards Conversion Rate

1 Reward Points = ₹1

Redemption Options

  • iMobile app
  • Gift Vouchers
  • Flights/Hotels
  • Products

To check redemption catalogue

Click Here

All Card Benefits

All Benefits

  • Earn 6 reward points per ₹200 on retail spends
  • Complimentary Taj Epicure Plus Membership
  • Complimentary EazyDiner Prime Membership
  • Buy 1 Get 1 free on BookMyShow up to ₹750 off per ticket valid twice a month
  • Redeem points across travel, shopping vouchers, electronics, fashion, home appliances, health & beauty
  • 12,500 reward points as welcome benefit
  • Unlimited international & Domestic airport lounge access for primary and add-on cardholders
  • Air accident insurance cover up to ₹3 crore

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

fuel transactions

rent payments

tax payments

and e-wallet transactions

For Spends Waiver

fuel transactions

rent payments

tax payments

and e-wallet loading transactions

Bank Fee Structure

StructureDetails
Forex Markups

2% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency.
Examples (2%):
₹100 → ₹2
₹1,000 → ₹20
₹10,000 → ₹200
₹1,00,000 → ₹2,000

2%
APR Fees

Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid

3.75%
ATM Withdrawl
NIL
Reward Redemption Fees
0
Link for all T&Cs
Click Here
Railway Surcharge

A surcharge of 1.8% is applied to transactions made for booking railway tickets

1.80%
Rent Payment Fees

A surcharge fee of 1% applies on rental transactions made using the credit card

1%
Cheque Payment Fees

A fee of 2% of the payment amount  is levied for cheque return, cheque dishonour, or auto-debit reversal

2%
Cash Payment Fees

₹150 cash payment fee per deposit

₹150
Late Payment Fees

Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared

Amount Due
₹0–₹100 ₹0
₹100–₹500 ₹100
₹501–₹1,000 ₹500
₹1,001–₹5,000 ₹600
₹5,001–₹10,000 ₹750
₹10,001–₹25,000 ₹900
₹25,001–₹50,000 ₹1,100
Above ₹50,000 ₹1,300

Apply for this card

TOP USPs

Get Premium Memberships with Taj Epicure Plus

Membership and EazyDiner Prime Membership along with 12,500 Reward Points

Get Unlimited Lounge Access at International & Domestic

airport lounges for both Primary and Plus Card members

Apply Now