ICICI Bank Emeralde Credit Card
Updated 5 Jul 2026Source-linked
The ICICI Bank Emeralde Credit Card is a super premium credit card from ICICI Bank, with a joining fee of ₹12,000 + GST.
It earns up to 12× (≈10.6% value) on ishop hotels spends in the form of icici reward points (points).
Cardholders get unlimited annual domestic + unlimited annual international airport lounge access, plus 12,000 icici reward points as a welcome benefit.
ICICI Bank Emeralde Credit Card
- Joining Fee₹12,000
- Annual Fee₹12,000
- Best Suited ForLifestyle & travel
- Reward TypeICICI Reward Points (points)
Rewards Rate
- 4 pts per ₹100 on international spend
- 12× on ishop hotels (cap 15000 points / monthly)
- 6× on ishop flights (cap 15000 points / monthly)
- Base 0.88% on other spends
Welcome Benefits
- 12,000 ICICI Reward Points
Data verified 5 Jul 2026 — see our methodology
ICICIworld elitesuper premiumRewards and Benefits
Rewards Rate
4 pts per ₹100 on international spend
12× on ishop hotels (cap 15000 points / monthly)
6× on ishop flights (cap 15000 points / monthly)
Base 0.88% on other spends.
Reward Redemption
ICICI Rewards: 1 ICICI RP = Rs 0.25 (catalogue/cashback). The 1:1 Air India Maharaja transfer belongs to Emeralde Private Metal only; classic Emeralde's transfer eligibility is doubtful and is NOT 6:1.
Welcome Benefits
12,000 ICICI Reward Points
Milestone Rewards
N/A
Domestic Lounge Access
Unlimited visits each annual.
International Lounge Access
Unlimited visits each annual.
Travel
Travel insurance cover bundled (see Insurance section).
Movie & Dining
BOGO on BookMyShow
Golf
4 round(s) / monthly.
Insurance Benefits
- air accident: ₹1,00,00,000
- travel medical: ₹50,00,000
Other Benefits
- Birthday benefit (Amex variant) — Tata CLiQ shopping voucher for American Express Cardholders.
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.9% = ₹132/mo
- Groceries₹8,000 · 0.9% = ₹70/mo
- Dining & food delivery₹8,000 · 0.9% = ₹70/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.9% = ₹88/mo
Travel & hotels — earns base; accelerated rate needs booking via ishop
- Utilities & bills₹5,000 · 0.9% = ₹44/mo
Est.net rewards for this spend, realistic
₹-7,142/yr₹4,858 rewards − ₹12,000 annual fee. Estimate for the spend you entered.
Fees & Charges
Spend-Based Waiver
₹10,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
2.00%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- super premium card issued by ICICI Bank.
- Joining / annual fee of ₹12,000 + GST, waived on annual spends of ₹10,00,000.
- Available on the Mastercard network.
- Complimentary airport lounge access: domestic (unlimited/annual) + international (unlimited/annual).
- Insurance cover bundled: air accident, travel medical.
Pros & Cons
Pros
- Annual fee waivable on ₹10,00,000 spend.
- Low forex markup of 2.00% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
- Accelerated earn worth ≈10.6% on ishop hotels.
Cons
- High annual fee of ₹12,000.
- No rewards on fuel spends.
₹3,000 welcome benefit
- 12,000 ICICI Reward PointsJoining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 4 pts per ₹100 on international spend
- 12× on ishop hotels (cap 15000 points / monthly)Up to 12X reward points on HOTEL bookings via ICICI iShop (booked via iShop only). Shares the 15,000 RP/calendar-month iShop cap (ICICI capping PDF, WEF 1-Oct-2025) with iShop flights; iShop also gives 6X on bus + shopping vouchers (not modelled).
- 6× on ishop flights (cap 15000 points / monthly)Up to 6X reward points on FLIGHT bookings via ICICI iShop (booked via iShop only). Shares the 15,000 RP/calendar-month iShop cap with iShop hotels.
Capping rules
- Utility and insurance spends earn 1 Reward Point per ₹100
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- emi
Airport lounge access
Domestic
Unlimited visit(s) / annual. Via dreamfolks. Guests: unlimited.
International
Unlimited visit(s) / annual. Via priority-pass, dragonpass. Guests: unlimited.
Insurance benefits
- air accident: ₹1,00,00,000
- travel medical: ₹50,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000.
Other benefits
- Birthday benefit (Amex variant). Tata CLiQ shopping voucher for American Express Cardholders. (≈ ₹5,000 value)
Sources
- : www.icici.bank.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 780+
- Income (salaried)
- ₹18,00,000 p.a.
- Income (self-employed)
- ₹18,00,000 p.a.