ICICI Emeralde Credit Card: Fees, Rewards & Benefits
Travel card
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The ICICI Emeralde is a genuine super-premium travel card with a 4-point base, lucrative iShop travel and hotel multipliers, a low 2% forex markup and rich lounge, golf and insurance benefits. Its Rs 12,000 fee, Rs 18 lakh income bar and Rs 10 lakh waiver threshold mean it only pays off for high-spending affluent travellers.
Travel card
The Bottom Line
The Emeralde Credit Card is built for affluent traveller and premium lifestyle spender. With a ₹12,000 annual fee that is waived on ₹10,00,000 yearly spend, it offers 6% rewards on ishop (travel) and airport lounge access. It makes the most sense if your spending matches affluent traveller and premium lifestyle spender.
It earns a base reward rate of 1% and stacks best when your spending lines up with Affluent Traveller, Premium Lifestyle Spender. The renewal fee gets easier to justify once you can hit ₹10,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealHigh-income users who book travel and hotels through iShop to earn 6-12 points per Rs 100 and value Priority Pass lounges, golf and Rs 3 crore air accident cover
Cardholders comfortable with a Rs 12,000 fee who can spend Rs 8-10 lakh a year to unlock EaseMyTrip vouchers and the fee waiver
Probably not for
SkipThose whose spends are mostly rent, tax, utilities or insurance, which earn little or no rewards
Anyone unable to spend near Rs 10 lakh annually, as the Rs 12,000 fee then outweighs the benefits
Is It Worth It For You?
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Reward Rates
Emeralde Credit Card offers 1% basic reward rate.
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Welcome Offer
Milestone Benefits
Spend Rs. 10,00,000 in the membership year to get the following year's Rs. 12,000 + GST annual/renewal fee waived.
Fees & Charges
Eligibility
- Min Income: ₹18 Lakhs
- Age 21-65; min monthly income ₹1.5L salaried (₹18L p.a.) or annual ITR ₹18L self-employed; super-premium card; annual fee of ₹12,000 waived on ₹10L+ spend.
Exclusions & Terms
Forex markup
- Foreign currency markup
Cash
- No Reward Points on cash and cash-equivalent transactions (MCC group incl. 6011, 6050, 6051, 6529, 6530, 6538, 6541, 6542, 6666, 7777, 9999, 3882).
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
₹12,000 annual fee. Apply on the ICICI Bank website.
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