ICICI Bank Emeralde Credit Card Review 2026: Fees, Rewards & Benefits
Explore the ICICI Bank Emeralde Credit Card. Get details on unlimited lounge access, 1.5% forex markup, golf rounds, and the ₹15 Lakh fee waiver requirement.
The ICICI Bank Emeralde is a solid super-premium card for those who value travel convenience and lifestyle perks over raw reward points. Its standout features are the unlimited lounge access and the unique trip cancellation insurance, though its base reward rate lags behind industry leaders.
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The Bottom Line
The ICICI Bank Emeralde Credit Card is the ICICI Bank Emeralde is a solid super-premium card for those who value travel convenience and lifestyle perks over raw reward points. Its standout features are the unlimited lounge access and the unique trip cancellation insurance, though its base reward rate lags behind industry leaders. With a ₹12,000 annual fee that is waived on ₹15,00,000 yearly spend, it offers 0% rewards on ishop hotels and unlimited lounge access. For anyone researching icici bank emeralde credit card, the verdict is simple: conditional.
It earns a base reward rate of 0.25% and stacks best when your spending lines up with Frequent International Traveler, Luxury Lifestyle Seeker. The renewal fee gets easier to justify once you can hit ₹15,00,000 in yearly spend.
Who Should Get This Card
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Best fit for
IdealUnlimited international lounge access and low forex markup make it highly cost-effective for global trips.
Access to premium golf courses, spa sessions, and high-value movie discounts aligns with affluent lifestyle needs.
Probably not for
SkipThe ₹12,000 annual fee is hard to justify without hitting the ₹15 Lakh waiver or utilizing the premium travel perks.
Is It Worth It For You?
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Reward Rates
ICICI Bank Emeralde Credit Card offers 0.25% basic reward rate.
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Welcome Offer
{'brand': 'Trident Hotels', 'value': 7500, 'description': 'Dining voucher on birthday (Amex variant)'} {'brand': 'Tata CLiQ', 'value': 5000, 'description': 'Shopping voucher on birthday (Amex variant)'}
Milestone Benefits
Bonus Points
Bonus Points
Fees & Charges
Eligibility
- Min Income: ₹36 Lakhs
- Min Credit Score: 750
- Available for salaried individuals with a net monthly income of ₹3 Lakhs+ or self-employed with ITR of ₹30 Lakhs+. Also available to ICICI Bank Global Private Client customers.
Exclusions & Terms
Fuel
- Fuel surcharge waiver applies instead of reward points
EMI Transactions
- Standard bank policy excludes EMI from rewards
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Frequently Asked Questions
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