ICICI Bank Emeralde Credit Card
Experience the extraordinary with curated luxury and travel privileges.
Annual Fee
₹12,000
Base Rewards
1.0%
Forex Fee
3.5%
Expert Verdict
The ICICI Bank Emeralde is a robust super-premium card that excels in lifestyle and travel perks like unlimited lounge access and movie discounts. While its base reward value is lower than competitors like Infinia, its low forex markup and unique 'no cancellation fee' feature provide tangible value for high-spenders.
Quick Match
Is this card right for you?
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Your Estimated Value
Year 1
₹2,875
Includes ₹3,125 bonus
Year 2+
₹6,000
Why get this card
Unlimited domestic and international airport lounge access for the primary cardholder
High reward rate of 4 points per ₹100 on retail spends (excluding fuel)
Generous BookMyShow benefit with up to ₹750 off on the second ticket, 4 times a month
Low foreign currency markup fee of 1.5% and zero cancellation charges on travel bookings
Watch out for
High annual fee of ₹12,000 with a steep waiver threshold of ₹15 Lakhs
Reward points value is relatively low at ₹0.25 for most redemption categories
New quarterly spend requirement of ₹25,000 to unlock movie benefits (effective 2026)
+1 more considerations
- Exclusion of fuel, rent, and government transactions from reward earning
Who is this card for?
Best for
frequent traveler
Individuals who travel extensively and value unlimited lounge access and low forex markup.
Min: ₹1,00,000/mo
lifestyle enthusiast
Users who frequently visit the cinema and play golf, as the card offers significant savings in these areas.
Min: ₹1,25,000/mo
Skip if you're
low spender
The high annual fee and spend-based waiver make it unsuitable for those spending less than ₹15 Lakhs annually.
Base Earning
4 ICICI Reward Points
per ₹100 spent
1.0%
effective rate
Point value: ₹0.25/point
Bonus Categories
iShop - TRAVEL
3×
3% return
18000 pts/month
Welcome Offer
Complimentary Taj Epicure membership and EazyDiner Prime membership for the first year.
12,500
points
₹3,125
value
within 30 days
Milestones
Spend ₹4.0L
EaseMyTrip voucher worth ₹3,000 on reaching ₹4 Lakhs annual spend.
Spend ₹8.0L
Additional EaseMyTrip voucher worth ₹3,000 on reaching ₹8 Lakhs annual spend.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
Compare Alternatives
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Visa
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