Emeralde Private Metal Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: ICICI Bank
Network: Visa | Tier: Premium
Unlimited lounge access (no spend criteria), 3% return (6 RP per ₹200), low 2% forex markup
Why Choose the Emeralde Private Metal Credit Card?
The Emeralde Private Metal Credit Card is a Premium-tier Visa credit card issued by ICICI Bank, rated 4.8/5 by the Credit Card Hunt editorial team. It is best suited for High-net-worth travelers and diners. With a reward rate of 6 Reward Points per ₹200 spent on all categories (except fuel/utilities), up to 12X on iShop and an annual fee of ₹12,499, it ranks among the popular Super Premium cards in India in 2026.
New cardholders are welcomed with Taj Epicure Plus and EazyDiner memberships, which adds immediate value in the first year and helps recover the ₹12,499 joining fee.
Emeralde Private Metal Credit Card Fees & Charges
| Annual Fee | ₹12,499 |
|---|---|
| Joining Fee | ₹12,499 |
| Interest Rate | 1.99% per month |
| Foreign Markup | 2% |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver |
Emeralde Private Metal Credit Card Rewards & Benefits
| Reward Rate | 6 Reward Points per ₹200 spent on all categories (except fuel/utilities), up to 12X on iShop |
|---|---|
| Welcome Bonus | Taj Epicure Plus and EazyDiner memberships |
| Lounge Access | Unlimited domestic and international airport lounge access (no spend criteria) for primary and add-on cardholders |
| Best For | High-net-worth travelers and diners |
Key Highlights of the Emeralde Private Metal Credit Card
- Unlimited lounge access (no spend criteria), 3% return (6 RP per ₹200), low 2% forex markup
- 6 Reward Points per ₹200 spent on all categories (except fuel/utilities), up to 12X on iShop
- Unlimited domestic and international airport lounge access (no spend criteria) for primary and add-on cardholders
- Flight/hotel cancellation cover (up to ₹12,000), air accident cover up to ₹3 Crore
- EaseMyTrip vouchers on annual spends of ₹8 Lakhs or more
Emeralde Private Metal Credit Card Eligibility Criteria
- Age: Invite-only years
- CIBIL score: 780+
- Minimum income: ₹30,00,000/year
Minimum Income Required: ₹30,00,000/year
Advantages of the Emeralde Private Metal Credit Card
- Unlimited domestic
- international lounge access exempt from spend requirements
- low 2% forex markup
- high base return
Drawbacks of the Emeralde Private Metal Credit Card
- Strict invite-only criteria
- issuance fee of ₹3
- 500 for add-on cards
Emeralde Private Metal Credit Card — Frequently Asked Questions
What is the annual fee of the Emeralde Private Metal Credit Card?
The Emeralde Private Metal Credit Card has an annual fee of ₹12,499 and a joining fee of ₹12,499. New cardholders receive Taj Epicure Plus and EazyDiner memberships as a welcome benefit, which helps offset the joining cost.
Does the Emeralde Private Metal Credit Card offer airport lounge access?
Yes — the Emeralde Private Metal Credit Card offers Unlimited domestic and international airport lounge access (no spend criteria) for primary and add-on cardholders.
Who is eligible for the Emeralde Private Metal Credit Card?
The minimum income requirement is ₹30,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Emeralde Private Metal Credit Card?
The Emeralde Private Metal Credit Card earns 6 Reward Points per ₹200 spent on all categories (except fuel/utilities), up to 12X on iShop. It is best suited for High-net-worth travelers and diners.
Credit Cards Similar to the Emeralde Private Metal Credit Card
If you are considering the Emeralde Private Metal Credit Card, these super premium credit cards are worth comparing before you apply:
- Infinia Metal Edition Credit Card by HDFC Bank — rated 4.9/5, ₹12,500 annual fee
- Reserve Credit Card by Axis Bank — rated 4.9/5, ₹50,000 annual fee
- Platinum Card by American Express — rated 4.8/5, ₹60,000 annual fee
- Diners Club Black Credit Card by HDFC Bank — rated 4.8/5, ₹10,000 annual fee
Expert Rating: 4.8/5