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Side-by-Side Comparison|Updated March 2026

ICICI Bank Platinum Identity Credit Card vs Emirates Skywards ICICI Bank Emeralde Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

ICICI Bank

ICICI Bank Platinum Identity Credit Card

7/10
Annual Fee₹750
Base Rewards0.25%
NetworkVisa
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ICICI Bank

Emirates Skywards ICICI Bank Emeralde Credit Card

8.5/10
Annual Fee₹10,000
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureICICI Bank Platinum Identity Credit CardEmirates Skywards ICICI Bank Emeralde Credit Card
Annual Fee₹750₹10,000
Joining Fee₹2,000₹10,000
Fee Waiver Spend₹2,00,000N/A
Base Reward Rate0.25%1%
Reward CurrencyHand-picked RewardsSkywards Miles
NetworkVisaVisa
Editor Rating7/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank Platinum Identity Credit Card

No accelerated rewards listed

Emirates Skywards ICICI Bank Emeralde Credit Card

  • 2.5% on Emirates Bookings

Pros & Cons

ICICI Bank Platinum Identity Credit Card

Pros

  • Accelerated rewards of 8 points per ₹200 on annual spends exceeding ₹5 Lakhs.
  • Double rewards on international spends (4 points per ₹200) compared to domestic.
  • Complimentary 24/7 i-Assist concierge services for travel and lifestyle assistance.
  • 1% fuel surcharge waiver at all HPCL pumps for transactions up to ₹4,000.

Cons

  • Low base reward rate of 0.25% (2 points per ₹200) for domestic spends.
  • Domestic lounge access is restricted by a high quarterly spend requirement of ₹75,000.
  • Priority Pass membership is complimentary but individual visits are chargeable at $35+.

Emirates Skywards ICICI Bank Emeralde Credit Card

Pros

  • Unlimited domestic and international lounge access for the primary cardholder.
  • Complimentary Emirates Skywards Silver Tier membership providing priority check-in and boarding.
  • High reward rate of 2.5 Skywards Miles per ₹100 on all spends (except exclusions).
  • Generous movie benefit with Buy 1 Get 1 up to ₹750 off, 4 times a month.

Cons

  • High annual fee of ₹10,000 with no specified spend-based waiver.
  • High foreign currency markup of 3.5% despite being a premium travel card.
  • Miles are primarily valuable only for Emirates loyalists.

Our Verdict

Emirates Skywards ICICI Bank Emeralde Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Platinum Identity Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose ICICI Bank Platinum Identity Credit Card if

Best for those who spend over ₹5 Lakhs annually to unlock the 1% reward rate tier.

Choose Emirates Skywards ICICI Bank Emeralde Credit Card if

Silver Tier status and high mile earn rate on Emirates bookings make it highly rewarding for loyalists.

Frequently Asked Questions

Which is better: ICICI Bank Platinum Identity Credit Card or Emirates Skywards ICICI Bank Emeralde Credit Card?
Emirates Skywards ICICI Bank Emeralde Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Platinum Identity Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between ICICI Bank Platinum Identity Credit Card and Emirates Skywards ICICI Bank Emeralde Credit Card?
ICICI Bank Platinum Identity Credit Card has an annual fee of ₹750, while Emirates Skywards ICICI Bank Emeralde Credit Card has an annual fee of ₹10,000. ICICI Bank Platinum Identity Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: ICICI Bank Platinum Identity Credit Card or Emirates Skywards ICICI Bank Emeralde Credit Card?
ICICI Bank Platinum Identity Credit Card offers a base reward rate of 0.25%. Emirates Skywards ICICI Bank Emeralde Credit Card offers 1% base rewards with bonuses on Emirates Bookings. The better choice depends on your primary spending categories.
Can I have both ICICI Bank Platinum Identity Credit Card and Emirates Skywards ICICI Bank Emeralde Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank Platinum Identity Credit Card and Emirates Skywards ICICI Bank Emeralde Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank Platinum Identity Credit Card or Emirates Skywards ICICI Bank Emeralde Credit Card?
For beginners, ICICI Bank Platinum Identity Credit Card may be more approachable with a lower annual fee of ₹750. However, evaluate based on your expected spending pattern rather than fee alone.

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