ICICI BankVisaSuper-premium
Emeralde Private Metal credit card
3% value with 1:1 flight redemptions, unlimited lounges, Taj Epicure and EaseMyTrip milestones.
Personal score49/100● Good fit
Recurring net savings₹4,273/yrafter fee, GST and caps · bills paid in full
First-year value₹4,273incl. ₹11,250 welcome, ₹14,749 joining fee
Effective savings rate1.3%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)You pay ₹14,749waiver at ₹10,00,000 spend
Lounge access✈∞ dom🌏∞ intlyou can use 2 of your visits
Source: ICICI Bank – Emeralde Private Metal · last reviewed 2026-09-12
Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.
Why it fits – and what to watch
hover any tile for the detail₹5,086/yrBase rate 2.55% on other spends
−₹14,749Fee you pay
2/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)
! You pay the ₹14,749 annual fee (incl. GST) – waiver needs ₹10,00,000 spend.
Where the money comes from
₹4,273/yr · 1.3%Base rate 2.55% on other spendson ₹1,99,440₹5,086
Utilities, insurance, grocery, education…on ₹91,200₹2,326
Excluded categories (no rewards)on ₹36,000₹0
Fuel surcharge waiver₹360
₹12,500 Taj Epicure vouchers + EazyDiner…renewal benefit₹11,250
Renewal fee incl. GSTyou pay it−₹14,749
◻︎ ₹6,000 EaseMyTrip voucher at ₹4L · needs ₹4,00,000/year◻︎ Another ₹6,000 EaseMyTrip voucher at ₹8L · needs ₹8,00,000/year
UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).
How the score of 49 is built
weights total 100% · methodologyNet savings rate22/100 × 55%12.0
Usable lounge access100/100 × 15%15.0
Redemption flexibility80/100 × 10%8.0
Lifestyle fit100/100 × 10%10.0
Simplicity60/100 × 5%3.0
Fee safety20/100 × 5%1.0
Airport lounges with this card
Open Lounge Finder →42airports in India
64lounges you can enter
Unlimiteddomestic
Unlimitedinternational
How you get in: issuer programme (bank / operator app) · Priority Pass. Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.
DEL Delhi 6 lounges
- ✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
- ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
- 🌏T3 Encalm Privé (T3 International) Encalm · via Priority Pass verified
- 🌏T3 Plaza Premium Lounge (T3 International) Plaza Premium · via Priority Pass verified
- ✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
- ✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified
HYD Hyderabad 4 lounges
- ✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
- ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
- 🌏Main Plaza Premium Lounge (International) Plaza Premium · via Priority Pass verified
- 🌏Main Encalm Privé (International) Encalm · via Priority Pass check at desk
BOM Mumbai 4 lounges
- ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
- ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
- 🌏T2 Adani Lounge (T2 International) Adani Airports · via Priority Pass verified
- ✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified
BLR Bengaluru 3 lounges
- ✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
- 🌏T2 080 International Lounge BIAL · via Priority Pass verified
- ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
MAA Chennai 3 lounges
- ✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
- ✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
- 🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified
AMD Ahmedabad 2 lounges
- ✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
- 🌏T2 Adani Lounge (International) Adani Airports · via Priority Pass verified
ATQ Amritsar 2 lounges
- ✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
- 🌏Main Bird Lounge (International) Bird Group · via Priority Pass check at desk
GOX Goa (Mopa) 2 lounges
- ✈Main Mopa Airport Lounge (Domestic) GMR · via issuer programme (bank / operator app) check at desk
- 🌏Main Mopa Airport Lounge (International) GMR · via Priority Pass check at desk
COK Kochi 2 lounges
- ✈T1 Earth Lounge (Domestic) CIAL · via issuer programme (bank / operator app) verified
- 🌏T3 Earth Lounge (International) CIAL · via Priority Pass verified
CCU Kolkata 2 lounges
- ✈T2 Travel Club Lounge (Domestic) Travel Food Services · via issuer programme (bank / operator app) verified
- 🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified
LKO Lucknow 2 lounges
- ✈T3 Adani Lounge (Lucknow) Adani Airports · via issuer programme (bank / operator app) verified
- 🌏T3 Adani Lounge (Lucknow International) Adani Airports · via Priority Pass check at desk
TRV Thiruvananthapuram 2 lounges
- ✈T2 Adani Lounge (Thiruvananthapuram Domestic) Adani Airports · via issuer programme (bank / operator app) verified
- 🌏T2 Adani Lounge (Thiruvananthapuram International) Adani Airports · via Priority Pass check at desk
+ 30 more airports in the Lounge Finder.
Card facts
💳 Base earn2.55%value on eligible spend
⚡ Accelerated2.55% Utilities, insurance,…
🚫 No rewards onfuelrent
🏷️ Fees₹14,749/yr incl. GSTwaived on ₹10,00,000 spend · joining ₹12,499
🎁 Welcome (year 1)≈ ₹11,250₹12,500 Taj Epicure vouchers + EazyDiner Prime
🏁 Milestones₹5,400 @ ₹4,00,000/year₹5,400 @ ₹8,00,000/year
✈️ Lounge✈∞ dom🌏∞ intlUnlimited domestic + Priority Pass unlimited (international)
🌏 Forex markup2%+ GST on the markup
🔁 Redemption₹0.85/ICICI Reward Points ★★★★☆1 RP = ₹1 on flights/hotels via iShop; ₹0.60 on vouchers. Realistic ₹0.85.
🧩 Simplicity★★★☆☆a few caps to track
🎯 Lifestylegolfdining programconciergehotel statusfuel waiverinsurance coverTaj Epicure & EazyDiner Prime memberships · Unlimited golf
🪪 EligibilityInvite-based; income ₹24L+/yr
At a glance
- 6 RP per ₹200 with 1:1 flight redemptions
- Unlimited lounges worldwide
- Fee effectively offset by ₹12,500 Taj vouchers
- Low-category caps (utilities, insurance, grocery)
- Invite-only
- Vouchers are Taj-specific
Compare Emeralde Private Metal with
Community Q&A on the Emeralde Private Metal
Threaded questions from cardholders · the Advisor can add a computed answer.
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Frequently asked questions
What is the annual fee of the ICICI Bank Emeralde Private Metal?
Joining fee ₹12,499 and renewal fee ₹12,499, plus 18% GST (₹14,749 a year). The renewal fee is waived if you spend ₹10,00,000 in the card year.
Does the Emeralde Private Metal give airport lounge access?
unlimited domestic + unlimited international/yr. Unlimited domestic + Priority Pass unlimited (international).
How much can I save with the Emeralde Private Metal?
For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹4,273 a year, an effective savings rate of 1.3% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.
What are the Emeralde Private Metal's reward exclusions and caps?
No rewards on fuel, rent. Utilities, insurance, grocery, education (1,000 RP/mo cap each, shared here): capped at ₹1,700 a month
Sources
Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.