ICICI Bank Emeralde Private Metal Credit Card

Biju Patnaik International AirportBBI

Terminal 1

Participating Lounges

O'Vetra Domestic

Birsa Munda AirportIXR

T1

Participating Lounges

Airr Lounge

Chaudhary Charan Singh International AirportLKO

T3

Participating Lounges

Adani Lounge (Domestic)

Chennai International AirportMAA

Terminal 4, Terminal 1, T2

Participating Lounges

Travel Club Lounge Travel Club Lounge A Travel Club Lounge B

Chhatrapati Shivaji Maharaj International AirportBOM

Terminal 1B, Terminal 1C, Terminal 2

Participating Lounges

Adani Lounge Travel Club Lounge Good Times Bar - Domestic T1-B

Cochin International AirportCOK

Terminal 1, T3

Participating Lounges

Earth Lounge

Coimbatore International AirportCJB

Terminal 1

Participating Lounges

Blackberry Lounge

Dehradun Jolly Grant AirportDED

Terminal 1

Participating Lounges

Carnations Lounge

Devi Ahilya Bai Holkar International AirportIDR

Terminal 1

Participating Lounges

Dibrugarh AirportDIB

Terminal 1

Participating Lounges

Saptagiri

Dr. Babasaheb Ambedkar International AirportNAG

Terminal 1

Participating Lounges

Airr Lounge Mandarin Lounge

Goa Dabolim International AirportGOI

T1

Participating Lounges

Travel Club

Gwalior AirportGWL

T1

Participating Lounges

Paahun Executive Lounge

Indira Gandhi International AirportDEL

Terminal 2, Terminal 3, Terminal 1

Participating Lounges

Encalm Lounge

Jaipur International AirportJAI

Terminal 2

Participating Lounges

The Lounge

Paahun The Executive Lounge

Jammu AirportIXJ

Terminal 1

Participating Lounges

Jay Prakash Narayan AirportPAT

T1

Participating Lounges

Uttham Lounge

Kannur International AirportCNN

T1

Participating Lounges

Pearl Lounge

Kazi Nazrul Islam AirportRDP

T1

Participating Lounges

Flury's

Kempegowda International Airport BengaluruBLR

Terminal 2, Terminal 1

Participating Lounges

080 Lounge 080 Domestic Lounge West PH1 080 Domestic Lounge West PH2 080 Domestic Lounge East

Lal Bahadur Shastri International AirportVNS

T1

Participating Lounges

Take Off Bar

Lokpriya Gopinath Bordoloi International AirportGAU

T1

Participating Lounges

The Lounge GF The Lounge FF

Madurai AirportIXM

MAIN

Participating Lounges

Maharshi Valmiki International AirportAYJ

Main Terminal

Participating Lounges

Casual Dining Restaurant

Manohar International AirportGOX

Terminal 1

Participating Lounges

Encalm Lounge

Netaji Subhash Chandra Bose International AirportCCU

Terminal 1, T2

Participating Lounges

Travel Club Lounge Travel Club

Noida International AirportDXN

Main Terminal

Participating Lounges

Travel Club Lounge

Prayagraj AirportIXD

Terminal 1

Participating Lounges

Zesto Lounge

Elysian Lounge GF Domestic Departure Elysian Lounge FF Domestic Departure Earth Lounge

Pune International AirportPNQ

T2, T1

Participating Lounges

Raja Bhoj International AirportBHO

Terminal 1

Participating Lounges

Rajiv Gandhi International AirportHYD

Terminal 1

Participating Lounges

Encalm Lounge

Sardar Vallabh Patel International AirportAMD

Terminal 1, T2

Participating Lounges

The Lounge Adani Lounge - Premium Loyalty Adani Lounge

Shaheed Bhagat Singh International AirportIXC

Terminal 1

Participating Lounges

Primus Lounge Domestic T1

Sri Guru Ram Das Ji International AirportATQ

Terminal 1

Participating Lounges

Primus Lounge Airr Lounge (Int)

Srinagar International AirportSXR

Terminal 1

Participating Lounges

Paahun The Executive Lounge

Swami Vivekananda AirportRPR

Terminal 1

Participating Lounges

Airr Lounge

Thiruvananthapuram International AirportTRV

T1, T2

Participating Lounges

The Lounge (International)

Tiruchirappalli International AirportTRZ

T1

Participating Lounges

O'Vetra Domestic O'Vetra International

Vadodara International AirportBDQ

Main Terminal

Participating Lounges

Premium Lounge

See where this card gets lounge access

Where can I use this card for airport lounge access?

This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.

Airport Lounge Checker

Domestic AllowanceUnlimited Domestic & International

Airport Coverage40+ Major Indian Airports

Lounge DirectoryView All Lounge Coverage

Representative Major Airport Lounges:

Delhi (DEL)Mumbai (BOM)Bengaluru (BLR)Hyderabad (HYD)Chennai (MAA)Kolkata (CCU)All 40+ Airports →

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): ₹12,499
Annual / Renewal Fee (2nd Year Onwards): ₹12,499
Annual Spend Fee Waiver: Waived on ₹10 lakh annual spend
Fee Terms Notes: Joining fee ₹12,499 + GST; annual renewal fee ₹12,499 + GST waived on spending ₹10,00,000 in preceding year.

2. International Spends

Foreign Currency Markup (Forex): 2.00% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): Refer to official schedule of charges
Annualized Interest Rate (APR): Refer to official schedule of charges
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

• Joining Fee: ₹12,499 + GST (Welcome benefit of 12,500 reward points + complimentary Taj Epicure Membership + 1-year EazyDiner Prime). • Annual Renewal Fee: ₹12,499 + GST. • Spend-Based Fee Waiver: Annual fee waived on achieving retail spends of ₹10,00,000 in the preceding anniversary year. • Base Rewards: 6 Reward Points per ₹200 spent on all retail transactions (1 RP = ₹1.00 for air miles/vouchers; direct 3.0% uncapped reward rate). • Broad Category Coverage: Earns reward points on utilities, education, and insurance (subject to category caps). • Domestic Airport Lounge Access: Unlimited complimentary domestic lounge access for primary cardholder, add-on cardholders, and accompanying guests. • International Airport Lounge Access: Unlimited complimentary international lounge access via DreamFolks / Priority Pass with complimentary guest privileges. • Entertainment Privileges: Buy 1 Get 1 free on movie and event tickets via BookMyShow up to ₹750 per ticket, up to 2 times a month. • Golf Privileges: Unlimited complimentary golf rounds and golf coaching sessions at premier championship courses. • Foreign Currency Markup: 2.00% + GST on all foreign currency transactions. • Fuel Surcharge Waiver: 1% surcharge waiver on fuel transactions between ₹400 and ₹4,000.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹12,499 renewal fee.

Calculate Fee ROI

Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding ICICI Bank Emeralde Private Metal Credit Card application, fees, reward redemption, and eligibility

What is the reward point conversion value on ICICI Emeralde Private Metal?

Each Reward Point on the Emeralde Private Metal card is worth exactly ₹1.00 when redeemed for airline frequent flyer miles (such as Singapore Airlines KrisFlyer, British Airways, etc.) or curated luxury partner gift vouchers, delivering a clean 3.0% return on spend.

Does ICICI Emeralde Private Metal include guest lounge access?

Yes. Unlike most super-premium cards that restrict free visits strictly to the cardholder, Emeralde Private Metal includes complimentary guest visits for accompanying travel companions at both domestic and international airport lounges.

What benefits are included in the Taj Epicure Membership?

The complimentary Taj Epicure membership provides exclusive dining discounts of up to 25% at participating Taj, SeleQtions, and Vivanta restaurants, complimentary room upgrades, and spa vouchers across IHCL properties.

How do I get the ₹12,499 annual fee waived?

The annual fee of ₹12,499 + GST is completely waived if you spend ₹10,00,000 or more in retail transactions within the preceding 12-month card anniversary period.

What is the joining and annual renewal fee for ICICI Bank Emeralde Private Metal Credit Card?

The joining fee for ICICI Bank Emeralde Private Metal Credit Card is ₹12,499 (one-time), and the annual renewal fee is ₹12,499 from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on ICICI Bank Emeralde Private Metal Credit Card be waived?

Yes, the annual renewal fee of ₹12,499 is waived upon achieving annual spends of ₹10 lakh in the preceding card anniversary year.

What are the primary rewards and cashback earn rates on ICICI Bank Emeralde Private Metal Credit Card?

ICICI Bank Emeralde Private Metal Credit Card offers 6 ICICI Reward Points per ₹200 spent on all retail transactions (3.0% return; 1 RP = ₹1). Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does ICICI Bank Emeralde Private Metal Credit Card offer complimentary airport lounge access?

Yes, ICICI Bank Emeralde Private Metal Credit Card provides Unlimited Domestic & International.

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