Overview

Rewards

Fees

Score

Verdict

ICICI Emeralde Metal Review 2026 — Rewards, Fees & Benefits | CardGenie | CardGenie

💎 PremiumMastercard

ICICI Bank

ICICI Emeralde Metal

ICICI's ultra-premium card — unlimited lounge + 6X on dining & travel

Annual Fee

₹12,499

Reward

4% points

GenieScore

43/100

Lounge

Unlimited

Expert

4.6/5★

About this Card

ICICI Emeralde Metal is ICICI Bank's flagship premium card for HNI customers. Unlimited worldwide lounge access, 6X reward points on dining and travel, metal card, and comprehensive insurance coverage make it a serious competitor to HDFC Infinia Metal. The 24/7 concierge and golf privileges add to the luxury positioning.

Key Features

🏆

Unlimited worldwide airport lounge access (Priority Pass + Dreamfolks)

✈️

24/7 premium concierge service

💰

6X reward points on dining & travel spends

🎁

Complimentary golf at 40+ courses globally

⚡

Rs.2 crore air accident cover

Pros

✓Unlimited worldwide lounge access via Priority Pass and Dreamfolks

✓6X reward points on dining and international spends

✓Metal card — premium weight and finish

✓24/7 dedicated concierge service

✓Complimentary golf at 40+ courses globally

✓Rs.2 crore air accident insurance cover

✓Zero forex markup on international transactions

Cons

✗₹12,499 annual fee + GST — very expensive

✗₹36L+ income requirement — extremely restricted access

✗6X is good but lower than HDFC Infinia 10X on SmartBuy

✗ICICI reward redemption less flexible than HDFC

✗No direct cashback option

Quick Specs

💳Card TypePoints

🌐NetworkMastercard

💰Annual Fee₹12,499 + GST

🎯Base Reward4% points

✈️LoungeUnlimited/year

📱UPI RewardsNot available

🌍Forex✓ Zero Markup

⛽Fuel WaiverNot available

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Community Sentiment

POSITIVE

Positive

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