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Credit Cards · India

ICICI Bank Emeralde Credit Card

Updated 15 Apr 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 6% back on international spend 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 logo
ICICI Bank Emeralde Credit Card
Mastercard logo
  • Joining Fee₹12,000
  • Annual Fee₹12,000
  • Best Suited ForLifestyle & travel
  • Reward TypeICICI Reward Points (points)
Rewards Rate
  • 6% on international spend
  • Base 1.00% on other spends
Welcome Benefits
  • 12,000 ICICI Reward Points
ICICI Bank logoICICIMastercard logoworld elitesuper premium
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Rewards and Benefits

Rewards Rate
6% on international spend
Base 1.00% on other spends.
Reward Redemption
ICICI Rewards: Redeem at ₹0.25 per unit.
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
Unlimited round(s) / monthly · unlimited lesson(s).
Insurance Benefits
  • air accident: ₹3,00,00,000
  • travel medical: ₹50,00,000
Other Benefits
N/A

Fees & Charges

Spend-Based Waiver
₹15,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
1.49%
Interest Rates
3.50% per month (42.0% 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 ₹15,00,000.
  • 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 ₹15,00,000 spend.
  • Low forex markup of 1.49% — suited to international spends.
  • Complimentary international airport lounge access.
  • 24/7 concierge service.
  • Accelerated earn rate of 6% on international spend.
Cons
  • High annual fee of ₹12,000.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹3,000 welcome benefit

  • 12,000 ICICI Reward Points
    Joining fee paid
    Window: 90 days from issuance.

Accelerated rewards

  • 6% on international spend

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi
  • utilities

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: ₹3,00,00,000
  • travel medical: ₹50,00,000

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000.

Sources

Last verified 15 Apr 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
780+
Income (salaried)
₹35,00,000 p.a.
Income (self-employed)
₹35,00,000 p.a.
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