आईसीआईसीआई एमराल्ड प्राइवेट मेटल क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: ICICI Bank Ltd.
Ultra-HNW metal card with Taj Epicure privileges, unlimited global lounge visits with guest access, and low 1.99% forex markup.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
ICICI Emeralde Private Metal is ICICI Bank's heavyweight metal flagship created to compete directly with HDFC Infinia and Axis Magnus. It offers an all-metal card body, Taj Epicure membership, unlimited global lounge visits with guest privileges, and a low 1.99% forex markup.
12,500 ICICI Reward Points credited upon fee realization, plus complimentary Taj Epicure membership and EazyDiner Prime annual membership.
Unlimited complimentary domestic airport lounge access for primary and add-on cardholders. Unlimited complimentary international airport lounge access worldwide via Priority Pass / DreamFolks with unlimited guest visits.
1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹4,000.
Taj stay vouchers and complimentary domestic flight tickets on achieving milestone spends of ₹5 Lakhs and ₹10 Lakhs annually.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
By invitation only. High-net-worth individuals with annual income exceeding ₹36,00,000 or private banking relationship value exceeding ₹1 Crore.
न्यूनतम वार्षिक आय आवश्यकता
₹3,00,000/month (Salaried) / ₹36,00,000/year ITR (Invite-only)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card (statutory requirement) 2. Proof of Identity & Residence: Aadhaar Card or Passport 3. Proof of Income: Last 2 years' audited ITR with computation (ITR > ₹36 Lakhs) 4. Passport-size photograph.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Strictly invite-only or requiring high net-worth private banking relationship. Base reward rate of 1.50% is lower than Infinia's 3.33% base rate. Annual spend waiver requires ₹10 Lakhs spend.
🚀आवेदन के चरण (How to Apply)
Step 1: Contact designated ICICI Private Banking Relationship Manager. Step 2: Submit formal request for Emeralde Private Metal issuance. Step 3: Verification of private banking relationship and ITR documents. Step 4: Underwriting committee approves credit limit (minimum ₹10 Lakhs). Step 5: Complete online Video KYC session with bank official. Step 6: Handcrafted metal card delivered in specialized wooden presentation box within 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on ICICI Emeralde Private Metal Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).. In addition, revolving finance charges at 1.99% per month (23.88% per annum) on revolving credit balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on ICICI Emeralde Private Metal Credit Card into EMI?
Yes, ICICI Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on ICICI Emeralde Private Metal Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into ICICI Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = up to ₹0.50 on travel redemptions. Points can also be redeemed for luxury brand merchandise and statement credit. Please note: Reward points expire 3 years (36 months) from the date of accrual.
What is the interest-free grace period on ICICI Emeralde Private Metal Credit Card and how does it work?
The interest-free period on ICICI Emeralde Private Metal Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (1.99% per month (23.88% per annum) on revolving credit balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.