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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

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