cards / credit / icici bank / icici-emeralde-private-metal-credit-card
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§ BENEFITS
Unlimited Domestic Lounge Access
Unlimited complimentary domestic airport lounge visits
Unlimited
Unlimited International Lounge Access
Unlimited complimentary international airport lounge visits via Priority Pass
Unlimited
3% Reward Rate on All Spends
Earn 6 reward points per ₹200 on all domestic and international transactions (3% effective rate)
6 RP per ₹200 (3%)
Complimentary Golf Privileges
4 complimentary golf rounds per quarter at premium courses
4 rounds/quarter
24/7 Global Concierge Services
Dedicated global concierge for travel, dining, entertainment, and lifestyle needs
Included
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
1% waiver
Comprehensive Insurance Coverage
Up to ₹10 Crore air accident cover, ₹1 Crore overseas hospitalization, ₹20 Lakh credit liability
Up to ₹10 Crore
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹50,00,000
- Min monthly salary
- ₹3,00,000
- Age
- 25 – 60
- Min credit score
- 800
- Existing account?
- Not required
- Invitation only?
- Yes
§ FEES
- Joining fee
- ₹12,499
- Annual fee
- ₹12,499
- APR (monthly)
- 3.25% p.m.
- APR (annual)
- 39.00% p.a.
- Late payment fee
- ₹1,200
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Plus GST
† Plus GST
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 0
- Own bank charge
- ₹200
- Other bank free / month
- 0
- Other bank charge
- ₹200
- International withdrawal
- ₹250
- Cash advance fee
- 2.5%
† + 3.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 3.5%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- —
- Physical statement
- —
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹400
- Max txn
- ₹5,000
- Max waiver / cycle
- ₹500
- Networks
- All
§ LIMITS
- ATM / day
- ₹1,00,000
- POS + e-com / day
- ₹20,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹2,00,000
§ INSURANCE
- Accidental death cover
- ₹5,00,00,000
- Permanent disability
- ₹5,00,00,000
- Air accident
- ₹10,00,00,000
- Travel insurance
- ₹1,00,00,000
- Baggage
- ₹5,00,000
- Lost-card liability
- ₹20,00,000
- Purchase protection
- ₹10,00,000
† within 24 h of loss
† 120 days
§ REWARDS
- Programme
- ICICI Reward Points
- Earn rate
- 6 RP per ₹200 on all spends (3% effective rate)
- Point value
- ₹0.5
- Effective cashback
- 3.00%
- Min redemption
- 500 pts
- Expiry
- 3 years from date of accrual
§ LOUNGE
- Domestic
- Unlimited
- International
- Unlimited via Priority Pass
- Domestic guests allowed?
- Yes
- International guests allowed?
- Yes
† value ₹2,500 per visit
† value ₹3,500 per visit
§ SIMILAR CARDS
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