ICICI Bank Emeralde Credit Card
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ICICI Bank

ICICI Bank Emeralde Credit Card

American Express
Premium

Your rating

Community rating

Best for Super-premium lifestyle — unlimited lounge, golf, spa & concierge

Joining Fee

₹12,000

Annual Fee

₹12,000

Reward Rate

1% – 4%

Forex Markup

2%

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Key Benefits

4 Reward Points per ₹100 on eligible retail spends
1 Reward Point per ₹100 on utility & insurance spends
Unlimited domestic and international airport lounge access with Priority Pass
Complimentary golf rounds and golf lessons every month on spend eligibility
Buy 1 Get 1 movie/event ticket offer up to ₹750 on BookMyShow (twice monthly)
Low forex markup fee of 2% on international transactions
₹5,000 Tata CLiQ voucher on birthday month spends milestone
Complimentary concierge services and luxury lifestyle privileges
Air accident insurance cover up to ₹3 crore

Rewards

How you earn back on every swipe

points

Reward type

1% – 4%

Earn rate

4

Points / ₹100

₹0.5

Per point

36 months

Point expiry

Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹12,000
Annual fee₹12,000
Fee waiver on annual spend₹10,00,000
Interest-free period50 days
Interest rate (APR)45%
Late payment fee (max)₹1,300
Cash advance fee3.75% (min ₹500)
Over-limit fee2.5%
Forex markup2%
Fuel surcharge waiverYes (₹500–₹4000)

Travel & Lounge Access

Airport perks included with this card

Priority Pass

Included with this card

DreamFolks

Lounge access via DreamFolks

Things to Keep in Mind

  • utility and insurance spends earn only 1 point per ₹100
  • EMI transactions excluded from fee-waiver spend calculation
  • rent, government and education payments excluded from fee-waiver spend calculation
  • cashback not offered

Card Features

Metal Card
Contactless
UPI Linked

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Eligibility

Age21+ yrs – 65
Min. income₹1,50,000/month

Employment type

SalariedSelf employed

Pros & Cons

Pros
  • Strong premium travel and lifestyle credit card
  • Unlimited domestic and international lounge access
  • Good golf, concierge, and entertainment benefits
  • Lower forex markup than many premium ICICI cards
  • Good insurance and travel protection coverage
  • Strong value for frequent travelers and luxury users
  • BookMyShow benefits provide good entertainment value
  • Premium metal-like positioning without invite-only restrictions
Cons
  • Reward redemption value is relatively weak (1 RP = ₹0.25 in many cases)
  • High annual fee of ₹12,000 + GST
  • Annual fee waiver threshold is very high
  • Best value often depends on iShop/partner redemption optimization
  • Some benefits have been devalued or revised recently
  • ICICI premium cards still lag behind Infinia and Magnus for reward flexibility
  • Golf benefits require spend-based eligibility
  • Not ideal for users preferring simple cashback rewards

Who is this card for?

High-net-worth individuals spending ₹1,00,000+/month who fly frequently, value unlimited lounge access, and need a premium concierge lifestyle card.

Quick Links

View on bank website

Data last updated 24 Mar 2026

All ICICI Bank credit cards →Best Reward CardsCards with Lounge AccessBest Travel CardsBest Fuel Cards