ICICI Emeralde Private Metal Credit Card
ICICI Bank • Mastercard • Super-premium
The ICICI Emeralde is a luxury metal card for the elite. With Taj Epicure membership, unlimited lounges, and golf privileges, it's designed for those who appreciate premium experiences.
Value Example
With ₹30,000/month spending:
*Example based on base reward rate. Actual rewards may vary.
Rewards & Cashback
On all retail transactions
Via EazyDiner Prime membership
Offers & Benefits
Complimentary membership for discounts at Taj Hotels
Premium dining discounts and priority reservations
Both domestic and international lounges
Complimentary green fees at premier courses
24x7 dedicated concierge for travel, dining, and more
Pros & Cons
Pros
- ✓Premium metal card with luxury aesthetics
- ✓Unlimited domestic & international lounges
- ✓Taj Epicure + EazyDiner memberships included
- ✓Unlimited golf rounds at top courses
- ✓₹10L spend for fee waiver (achievable for target users)
Cons
- ✗Invite-only for most customers
- ✗High income requirement (₹50L+)
- ✗Lower reward rate compared to competitors
- ✗No late payment charges (but still has finance charges)
Who Should Get This Card?
✅ Best Suited For:
Ultra HNIs who value luxury dining, golf, and Taj Hotels experiences
❌ Not Ideal For:
Those with limited spending capacity or looking for a no-fee card.
Frequently Asked Questions
How long does approval take?
Typically 3-7 working days for ICICI Bank. You'll receive an SMS/email once approved.
Can I get the annual fee waived?
Waived on ₹10 Lakh annual spend
What documents are needed?
PAN card, Aadhaar, latest salary slips (3 months), and bank statements (6 months).
How do I maximize rewards?
Focus on All Spends to earn 4 Reward Points/₹100.