{
  "id": "icici-emeralde-private-metal",
  "locale": "hinglish",
  "name": "ICICI Bank Emeralde Private Metal Credit Card",
  "bank": "ICICI Bank",
  "cardType": "premium",
  "cardTier": "ultra-premium",
  "annualFee": "₹12,499 + GST",
  "loungeAccess": "Primary aur Plus members ke liye unlimited domestic/international airport access advertised; full terms pending",
  "rewardsRate": "Retail par ₹200 mein 6 points; grocery, utility, education caps apply; point value unverified",
  "bestFor": "Invite-only customers jo lounge, golf aur travel benefits use kar sakein",
  "officialLink": "https://www.icici.bank.in/personal-banking/cards/credit-card/emeralde-private-metal-credit-card",
  "aiVerdict": {
    "score": 4,
    "summary": "Its lounge access is the standout benefit for travellers.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹12499) erodes net rewards",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 0.75
  },
  "affiliateId": "icici-emeralde-private-metal",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.icici.bank.in/personal-banking/cards/credit-card/emeralde-private-metal-credit-card",
    "https://www.icici.bank.in/content/dam/icicibank/india/managed-assets/revamp-page-images/docs/pdf/mitc_cc.pdf"
  ],
  "feeWaiver": "₹10 lakh se zyada spend par next year fee waived; eligible-spend exclusions pending",
  "networks": [],
  "quickFacts": [
    {
      "key": "Annual fee",
      "value": "₹12,499 + GST"
    },
    {
      "key": "Next-year waiver",
      "value": "Spends over ₹10 lakh"
    },
    {
      "key": "Forex markup",
      "value": "2%"
    },
    {
      "key": "Retail earn",
      "value": "6 points / ₹200; value unverified"
    }
  ],
  "earnRates": [
    {
      "category": "Retail spend",
      "rate": "6 points / ₹200"
    },
    {
      "category": "Grocery, utility and education",
      "rate": "6 points / ₹200",
      "monthlyCap": "1,000 points per category per statement cycle"
    },
    {
      "category": "Insurance",
      "rate": "Points advertised; exact earn rate pending",
      "monthlyCap": "5,000 points per statement cycle"
    }
  ],
  "hasAccelerated": false,
  "acceleratedEarn": [],
  "redemptionRoutes": [],
  "exclusions": [],
  "feesDetail": [
    {
      "item": "Joining fee",
      "value": "₹12,499 + GST"
    },
    {
      "item": "Annual fee",
      "value": "₹12,499 + GST; next year waived after spends over ₹10 lakh"
    },
    {
      "item": "Forex markup",
      "value": "2%; taxes and transaction rules pending"
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Availability",
      "requirement": "By invitation only; contact Relationship Manager"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}