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Super Premium Visa

ICICI Bank Emeralde Private Metal

ICICI Bank · Visa

★★★★½ 4.5/5
Joining Fee ₹12,499
Annual Fee ₹12,499
Fee Waiver Not waivable — private banking invite only
Forex Markup 1.5% + GST (one of the lowest in India)
Lounge Access Unlimited domestic + international Priority Pass

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Welcome Benefit

12,500 ICICI Reward Points + luxury welcome gift

Earn Rates

4 ICICI Reward Points per ₹100 (≈ 1% base); higher on travel bookings via ICICI

Key Highlights

  • Best forex markup rate in India for a super-premium card (1.5%)
  • Metal card — strong tactile premium feel
  • Complimentary ITC Hotels, Oberoi, and Taj membership benefits via concierge
  • Golf program: unlimited complimentary rounds at select courses

Milestone Benefits

  • Spend ₹4L in 3 months: annual fee waiver for next year
  • Spend ₹10L in a year: 10,000 bonus RP

Lounge Access

Unlimited domestic + international Priority Pass; 2 guests included

Fuel Surcharge Waiver

1% waiver; max ₹250/month

Best For

  • Frequent international travellers
  • ICICI private banking customers
  • Those wanting a lower forex markup

Not Great For

  • Domestic spend optimisers (lower base RP rate than Infinia)
Verified: Data last verified 17 June 2026. Sources: www.icicibank.com , technofino.in

Frequently Asked Questions

How is the ICICI Emeralde Private Metal different from the Sapphiro?

Emeralde Private Metal is the ultra-premium tier — it is invite-only for ICICI private banking customers, has a metal card, a much lower forex markup (1.5% vs 3.5%), and far superior lounge access. Sapphiro is widely available; Emeralde is not.

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