Emirates Skywards ICICI Bank Emeralde Credit Card
The Emirates Skywards ICICI Bank Emeralde Credit Card is a super premium co-branded credit card from ICICI Bank and Emirates Skywards, with a joining fee of ₹10,000 + GST.
Cardholders get unlimited annual domestic + unlimited annual international airport lounge access, plus 10,000 skywards miles as a welcome benefit.
- Joining Fee₹10,000
- Annual Fee₹10,000
- Best Suited ForTravel
- Reward TypeSkywards Miles (miles)
- Base rate 1.30%
- 10,000 Skywards Miles
- Emirates Skywards Silver Tier Membership
ICICIsuper premiumCo-brand · Emirates SkywardsRewards and Benefits
- ₹15,00,000 / annual: Emirates Skywards Gold Tier Membership on ₹15 lakh spend (including minimum ₹50,000 on Emirates flights via Emirates.com or the Emirates Contact Centre) in the anniversary year; Gold Tier active upon payment of the next year's annual fee, must be re-achieved each year to retain
- Annual renewal miles — Bonus 10,000 Skywards Miles as annual benefit on payment of the annual fee; Emirates Skywards Silver Tier retained while the card is active (Gold Tier is milestone-linked, not automatic on renewal)
- Emirates flight discount — Up to 10% discount on Emirates flight bookings via Emirates.com using promo code INICI26
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 · 1.3% = ₹195/mo
- Groceries₹8,000 · 1.3% = ₹104/mo
- Dining & food delivery₹8,000 · 1.3% = ₹104/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 1.3% = ₹130/mo
- Utilities & bills₹5,000 · 0.0% = ₹0/mo
₹6,396 rewards − ₹10,000 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- Co-branded super premium card by ICICI Bank and Emirates Skywards.
- Joining / annual fee of ₹10,000 + GST.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (unlimited/annual) + international (unlimited/annual).
Pros & Cons
- Complimentary international airport lounge access.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- High annual fee of ₹10,000.
- No annual-fee waiver option.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
Welcome benefit
- 10,000 Skywards MilesJoining fee paid
- Emirates Skywards Silver Tier MembershipCard issuance
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- cash advance
- emi
- wallet loads
- rent
- government
- utilities
- insurance premiums
- education
Milestone benefits
- ₹15,00,000 / annual: Emirates Skywards Gold Tier Membership on ₹15 lakh spend (including minimum ₹50,000 on Emirates flights via Emirates.com or the Emirates Contact Centre) in the anniversary year; Gold Tier active upon payment of the next year's annual fee, must be re-achieved each year to retain
Airport lounge access
Fuel surcharge waiver
1.0% waiver on fuel transactions and ₹4,000.
Other benefits
- Annual renewal miles. Bonus 10,000 Skywards Miles as annual benefit on payment of the annual fee; Emirates Skywards Silver Tier retained while the card is active (Gold Tier is milestone-linked, not automatic on renewal)
- Emirates flight discount. Up to 10% discount on Emirates flight bookings via Emirates.com using promo code INICI26
Sources
- : www.icici.bank.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- —
- Credit score
- 750+
- Income (salaried)
- ₹30,00,000 p.a.
- Income (self-employed)
- ₹30,00,000 p.a.
Indian citizen over 21. Salaried minimum monthly income ₹2,50,000; self-employed minimum annual income ₹30,00,000.