ICICI Bank
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank
4.9
Best for: Ultra-HNI luxury travelers
Key Features
Annual Fee
₹12,000
Regular APR
3.5% per month (42% p.a.)
Airport Lounge Access
Unlimited
Rewards & Benefits
Sign-up Bonus
40,000 reward points
Rewards Rate
4 points per ₹100
Pros
- Metal card
- Unlimited lounge access
- Concierge services
- Golf privileges
- Elite status with hotels
Cons
- Very high fee (₹12,000)
- Invite-only
- High eligibility
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