Joining Fee₹12,499
Annual Fee₹12,499
Fee WaiverNot waivable — private banking invite only
Forex Markup1.5% + GST (one of the lowest in India)
LoungeUnlimited domestic + international Priority Pass
Welcome Benefit
12,500 ICICI Reward Points + luxury welcome gift
Earn Rates
4 ICICI Reward Points per ₹100 (≈ 1% base); higher on travel bookings via ICICI
Key Highlights
- Best forex markup rate in India for a super-premium card (1.5%)
- Metal card — strong tactile premium feel
- Complimentary ITC Hotels, Oberoi, and Taj membership benefits via concierge
- Golf program: unlimited complimentary rounds at select courses
Milestone Benefits
- Spend ₹4L in 3 months: annual fee waiver for next year
- Spend ₹10L in a year: 10,000 bonus RP
Lounge Access
Unlimited domestic + international Priority Pass; 2 guests included
Fuel Surcharge Waiver
1% waiver; max ₹250/month
Best For
- Frequent international travellers
- ICICI private banking customers
- Those wanting a lower forex markup
Not Great For
- Domestic spend optimisers (lower base RP rate than Infinia)
Frequently Asked Questions
How is the ICICI Emeralde Private Metal different from the Sapphiro?
Emeralde Private Metal is the ultra-premium tier — it is invite-only for ICICI private banking customers, has a metal card, a much lower forex markup (1.5% vs 3.5%), and far superior lounge access. Sapphiro is widely available; Emeralde is not.
