ICICI BankICICI Bank Emeralde Credit Card
The ICICI Bank Emeralde Credit Card is a super-premium lifestyle card targeting HNI customers.
Top Category Performance
Premium Privileges (97/100)
Joining Fee
₹12,000
Annual Fee
₹12,000
Reward Rate (%)
1 – 4
Forex Markup
2%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
34/35
Fee Value & ROI
18/25
Lounge & Perks
18/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
ICICI Bank Emeralde Credit Card Benefits
ICICI Bank Emeralde Credit Card 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
ICICI Bank Emeralde Credit Card 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.
ICICI Bank Emeralde Credit Card Lounge Access
Airport perks included with this card
8 per year
International lounge visits
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
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
Spend ₹0/mo more (or ₹4 more per year) to waive the renewal fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
ICICI Bank Emeralde Credit Card Eligibility
Employment type
Pros & Cons
- 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
- 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
Data last updated 14 Aug 2026
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Calculate your exact earnings with ICICI Bank Emeralde Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.