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ICICI Bank
ICICI Emeralde Private Metal
Super premiumPointsVisaMastercardPending re-check
Joining fee
₹12,499
Annual fee
₹12,499
Waived on ₹10,00,000/yr spend
Forex mark-up
2%
+ 18% GST on the mark-up
Why people pick it
- ✓6 points per ₹200 = 3% at ₹1/point
- ✓Unlimited lounge access worldwide
- ✓EaseMyTrip/Taj vouchers on milestones
Watch out for
- !Very high income bar; mostly for ICICI wealth customers
- !Monthly caps on utilities/grocery points
Rewards
| Everything else (base rate) | 3% | no cap |
No rewards on: Fuel, Rent, UPI payments at shops
Rates are shown as approximate ₹ value per ₹100 spent, after converting points at typical redemption values.
Travel & lounges
- Domestic lounge
- Unlimited
- International lounge
- Unlimited
Eligibility
- Salaried
- ₹4,00,000/month
- Self-employed
- ₹48,00,000/yr ITR
- Age
- 21–65 years
- First-time applicants
- Harder
Mostly invite-only.
Income figures are indicative; banks decide case by case.
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