ICICI Emeralde Private Metal
ICICI Bank · Reward Points · Reward Points
This comprehensive guide covers the ICICI Emeralde Private Metal's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The ICICI Emeralde Private Metal from ICICI Bank offers reward points rewards redeemable as reward points. Cardholders receive lounge access at select airports. Annual fee is ₹12,499 (waiver subject to icici bank private banking eligibility and current spend terms).
Best for: General Online, Online Retail, Electronics Accessories, Dining
Official product page → Official rules →
Waiver: Waiver subject to ICICI Bank private banking eligibility and current spend terms
Reward Rules
- 3 pts/$100 6 reward points per INR 200
Important Notes
- Reward value assumes eligible voucher/travel redemption; statement cash value may be lower.
- Fuel, rent, wallet, EMI and excluded MCCs may earn reduced or no rewards.
Lounge Access
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
ICICI Emeralde Private Metal vs Similar Cards
- Amazon Pay ICICI — 5% top rate · ₹0
- Axis Bank Magnus Credit Card — Reward Points · ₹10,000
- Axis Bank Magnus Burgundy Credit Card — Reward Points · ₹12,000
Maximize Your Rewards
To earn the highest rewards, use the ICICI Emeralde Private Metal for its bonus categories: General Online, Online Retail, Electronics Accessories, Dining, Grocery.