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ICICI Emeralde Private Metal

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ICICI Emeralde Private Metal

Name: ICICI Emeralde Private Metal
Brand: ICICI Bank
Rating: 4.8 (50 reviews)

High-net-worth families wanting universal 6 ICICI points/₹100.

4.8 / 5

Joining fee

₹12,499

Annual fee

₹12,499

Top reward

Min income

₹5,000,000

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5-year value calculator

How much ICICI Emeralde Private Metal actually pays you over time, net of annual fees.

Your monthly spend₹50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards₹36,000

Annual fee−₹12,499

Fee waiver triggers at ₹1,500,000 annual spend. You're currently at ₹600,000. Bump monthly spend to ₹125,000 to clear it.

Cumulative net value

+₹117,505

over 5 years

Year 1

₹23,501

+₹23,501/yr

Year 2

₹47,002

+₹23,501/yr

Year 3

₹70,503

+₹23,501/yr

Year 4

₹94,004

+₹23,501/yr

Year 5

₹117,505

+₹23,501/yr

Year 1 (with bonus)

₹23,501

Year 2+ (steady state)

₹23,501/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

Everything else

📈

🎁

Welcome bonus

Taj Epicure / EazyDiner Prime / Times Prime annual membership

What you get

Unlimited domestic + international lounge access for self & guest
6 reward points per ₹100 across all categories
Taj Epicure annual membership included
24x7 concierge + Golf privileges
2% forex markup

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income

₹5,000,000

Min credit score

800+

Self-employed

Eligible

Points value

What 1 ICICI Emeralde Private Metal point is actually worth

Best redemption is 7.5× the worst

Same points, wildly different values depending on redemption. Most cardholders default to the boring option and never see the upside. Here's the full ladder for ICICI Emeralde Private Metal:

British Airways Avios transfer
Best

₹3.00/point

1:1 to BA. Avios sweet spots: short-haul Asia awards at 8-10K points.

Singapore KrisFlyer transfer

₹2.50/point

Marriott Bonvoy transfer

₹0.80/point

iShop premium portal

₹1.00/point

Welcome bonus — the under-priced lever

15,000 ICICI reward points + 1 Tata CLiQ Luxury voucher worth ₹5K.

Welcome bonus value at best redemption: ₹45,000

Sweet spots & gotchas

✓Highest reward rate of any Indian premium card. Annual fee ₹12,500.

Full ICICI Emeralde Private Metal redemption deep-dive Run the points calculator

MatchYour SaaS · pays best on this card

Best SaaS to pay with the ICICI Emeralde Private Metal

The SaaS subscriptions where ICICI Emeralde Private Metal earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹7,90,628/yr.

Top match

Big forex win