ICICI Bank Emeralde Private Metal Credit Card: Benefits & Apply

Summary

The ICICI Bank Emeralde Private Metal Credit Card is a premium credit card that is particularly for those individuals who desire luxury, comfort, and exclusive privileges in life. In contrast to regular credit cards, this card offers several premium features that actually enhance your lifestyle.First, it provides you with unlimited lounge access at airports globally, which is a great benefit for travelers who move around a lot. Besides that, the card also provides 24/7 concierge services, assisting you with travel bookings, restaurant reservations, etc.

In addition to that, the card holders have access to free golf sessions, upscale wellness centres such as spa therapy and health check-ups, and luxury dining discounts on luxury restaurants. They are all performed to make your recreational and medical needs best served. Other than that, there is also a reward points scheme, whereby with each purchase you make, you earn points that you can redeem for vouchers, goods, or travel expenses.

Another major benefit is the fuel surcharge exemption, which means you can save even more on your daily fuel expenses. But that’s not all; the card also includes zero cancellation fees on certain bookings for travel, which means you can have more freedom and confidence when you organize your holidays.

Introduction

Since life has become so busy nowadays, everyone does not want to carry around a credit card. They want one that provides them with style, luxury, and benefits no one else can provide. The ICICI Emeralde Private Metal Credit Card is for someone who wants to have more services and live a prosperous life. The card is not merely a tool for payment—it’s a symbol of elegance, luxury, and convenience.

Second, the card is specially designed for high-net-worth individuals who want more from their credit cards. It is made of metal, which gives a distinctive texture and a luxurious look. In addition, the card features unique benefits such as unlimited airport lounge visits, free golf sessions, round-the-clock concierge service, and zero cancellation fee on travel reservations. These perks simplify your day-to-day life and enhance your travel experiences.

Finally, one of the best features of the ICICI Emeralde Private Credit Card is its rewarding program that is flexible. You earn reward points on all your transactions, which can then be redeemed to purchase thrilling gifts, vouchers, or bookings. The card also gives you relief from fuel surcharge and access to personal well-being services like health check-ups and spa therapy. With so much lifestyle convenience loaded on a single card, it is an excellent value for money for frequent spenders.

With such lavish privileges, obtaining this card is fairly easy and simple to accomplish. You can apply online at the ICICI Bank website or visit the local branch. However, as it is a premium metal card, there are stipulations such as high income or excellent credit history. The bank may also invite some clients to purchase this card. However, if you are qualified, obtaining this card is well worth the hassle.

What is the ICICI Bank Emeralde Private Metal Credit Card?

ICICI Bank Emeralde Private Metal Credit Card is a luxury credit card that is for individuals who enjoy living well and who wish to have more than an everyday card. It is a privilege card with services that ease everyday living and make every day pleasant. To begin, it is made of metal and thus looks incredibly stylish and glossy. Furthermore, the card also provides a few benefits such as limitless use of airport lounges, complimentary golf rounds, and 24/7 concierge services to meet your own needs.

Besides that, it has a reward scheme where you earn points for every transaction that can be redeemed for exciting gifts, booking reservations, or vouchers. It also has no cancellation fees on travel bookings, which is an ideal choice for frequent travelers. Another highlighted feature is the waiver of fuel surcharges, through which you get to save on fuel transactions.

How is the design of the ICICI Bank Emeralde Private Metal Credit Card?

The ICICI Bank Emeralde Private Metal Credit Card is a classy and elegant-looking card that suits its high-end status. The card is dark green, reminiscent of an emerald gemstone, and thus has a rich and unique look. The bright color not only makes the card appear attractive but also represents wealth and elitism.

For the Mastercard version, the appearance is further driven home by the dramatic placement of the Mastercard logo, which appears magnificent against the color green and thus even more visually appealing. The overall appearance is minimalist yet imposing, ensuring that the cardholder makes a statement every time the card is utilized.

What are the benefits of the ICICI Bank Emeralde Private Metal Credit Card?

Among the most significant benefits are:

1. Unlimited Airport Lounge Access: Unlimited access to over 1,000 airport lounges globally by cardholders. This is perfect for frequent travelers who want to relax before flights in a quiet environment.

2. Concierge Services: The card provides 24/7 concierge service, helping you with items like ticket reservations, restaurant reservations, etc. From finding a restaurant to arranging a special event, the concierge is available at your service.

3. Free Golf: You are able to have free golf access at golf courses across the country, which is a pretty good offer for golf players.

4. Reward Points: The card has a good reward points scheme. You earn points on each transaction you incur, which you can opt for gift, merchandise, vouchers, or book your travel.

5. Luxury Wellness Services: Card members are entitled to utilize luxury wellness services, such as free health check-ups and luxury spa therapies, to keep themselves healthy and stress-free.

6. Zero Cancellation Fee for Travel Bookings: You can cancel your travel bookings with no fear of paying cancellation charges, thus ensuring ease and convenience.

7. Waiver of Fuel Surcharge: The card provides you with the advantage of waiving the fuel surcharge when purchasing fuel at the pump, saving you money on your daily drive.

8. Dining Privileges: Card members have special privileges and discounts at select luxury dining restaurants, making mealtime an experience.

What are the fees for the ICICI Bank Emeralde Private Metal Credit Card?

Here is a simple breakdown of the  ICICI Bank Emeralde Private Metal Credit Card fees.

Joining Fee	Rs. 12,499 + GST (per month)
Annual Fee	Rs. 12,499 + GST (per month)
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	3.75% per month (45% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an ICICI Bank Emeralde Private Metal Credit Card?

1. Age Requirement:

• You should be between 18 to 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have a valid address proof.

What documents are required to get an ICICI Bank Emeralde Private Metal Credit Card?

The documents that you will have to submit to get an ICICI Emeralde Private Metal Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the ICICI Bank Emeralde Private Metal Credit Card be used?

Here is the list of places where you can use it:

• With the ICICI Bank Emeralde Private Metal Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  ICICI Bank Emeralde Private Metal Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  ICICI Bank Emeralde Private Metal Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the ICICI Bank Emeralde Private Metal Credit Card?

The credit amount you can spend is what you are provided with an ICICI Bank Emeralde Private Metal Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an ICICI Bank Emeralde Private Metal Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the ICICI Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by ICICI Bank; for instance, you can choose the  ICICI Bank Emeralde Private Metal Credit Card.

• Just hover your cursor on the  ICICI Bank Emeralde Private Metal Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest ICICI Bank branch to apply for the  ICICI Bank Emeralde Private Metal Credit Card.

• Request for the credit card application form of the  ICICI Bank Emeralde Private Metal Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  ICICI Bank Emeralde Private Metal Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the ICICI Bank Card website, mobile app, or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an ICICI Bank Emeralde Private Metal Credit Card in 2025 be right?

Yes, getting an ICICI Bank Emeralde Private Metal Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

ICICI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Together, the ICICI Bank Emeralde Private Metal Credit Card is truly an ultra-premium product for luxury, as it is for convenience. Its various rewards make this credit card much more than your ordinary payment card. The credit card is envisioned to transform your lifestyle through access to as many airport lounges as possible with no charges or restrictions at all. Besides this, a reward points program is included with every purchase, in addition to providing zero cancellation fees on travel and an onboard fuel surcharge waiver.

Also, the welfare services like the medical checkups and spa therapy are along the lines of complementing the card’s intent of driving you into a stylish, well-planned life. If you consider yourself to be a holidaymaker, who loves indulgences, then this card has been designed specifically for you. Also, the metal case with an elite finish gives it a sense of class, so it symbolizes sophistication as well.

Overall, the ICICI Bank Emeralde Private Metal Credit Card is not a plastic card after all. It is an opening to a paradise of rewards, savings, and upscale services. To those willing to make the most out of the money spent, indeed, it can be a proper choice. With the qualification requirement met, securing this card is probably the best decision to lift your quality of life to new heights of comfort and a full range of extraordinary perks. Ultimately, this card provides a type of luxury, convenience, and reward that is hard to come by elsewhere.

Frequently Asked Questions (FAQ’s)