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ICICI Bank Emeralde Private Metal Credit Card: rewards, caps and exclusions

The ICICI Bank Emeralde Private Metal Credit Card pays about 14.4% on Ishop portal, capped — see the issuer's terms, and 1.2% on everything else. Below is every rate, cap and exclusion in ICICI Bank's published terms, as we last checked them on 18 July 2026.

₹12,499 a yearPaid in points

What it earns

≈14.4%Ishop portalcapped — see the issuer's terms
≈7.2%Ishop portalcapped — see the issuer's terms
≈1.2%Everything elseon the first ₹33,300 of spend a cycle

≈ marks a rate paid in points, converted at ₹0.4 a point: the lowest redemption value ICICI Bank documents. Some redemptions are worth more; we price at the floor, because that is what the points are worth whichever way you spend them.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

  • Government payments
  • Fuel
  • Rent
  • Wallet loads (since 15 January 2026)

Milestones

In ICICI Bank's own words:

  • EaseMyTrip air travel vouchers worth ₹6,000 as milestone benefit (on spend thresholds) → ₹6,000 EaseMyTrip vouchers

Fees

  • Annual fee: ₹12,499, plus 18% GST
  • Joining fee: ₹12,499
  • Annual fee waived on ₹10,00,000 of spend in a card year
  • Foreign-currency markup: 2%

Welcome benefit: 12,500 RP (joining + annual) + Taj Epicure (1 yr) + EazyDiner Prime on paying the joining fee.

Where this comes from

Transcribed from ICICI Bank's own documents and checked against them on 18 July 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with ICICI Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

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Every card we have rules for