ICICI Bank Emeralde Credit Card
A super-premium points card (₹12,000 to join and ₹12,000 a year, waived above ₹10 lakh of spend): 4 points per ₹100 on domestic and international spends and 1 on utilities and insurance, with unlimited airport lounge access and a 2% forex markup. Every figure below is copied from ICICI Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: rupee value of a reward point. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹12,000 plus GST Product page |
|---|---|
| Annual fee | ₹12,000 plus GST Product page |
| Annual fee waiver | On ₹10,00,000 of spend in the year Product page |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 2% of the transaction, plus GST Product page |
| Reward redemption fee | ₹99 plus GST Terms |
Rewards
Reward points (rupee value not on record).
| Spend | Earns | Cap |
|---|---|---|
| Utilities and insurance (government payments count as utilities) | 1 point per ₹100 Product page | no cap on record |
| Domestic and international spends | 4 points per ₹100 Product page | no cap on record |
ICICI Bank publishes no rupee value for these points; redemption is through the ICICI Bank Rewards catalogue, with a ₹99 + GST handling fee per request.
No rewards on
- Rent and wallet loads (from 5 Feb 2024) Terms
Benefits
- Lounges: Unlimited domestic and international airport lounge access for the primary cardholder Product page
- Fuel: 1% fuel surcharge waived on fills up to ₹4,000 at any fuel outlet (no cap stated) Product page
Also on this card
Quoted from ICICI Bank; not counted in the net value.
- Unlimited international airport lounge visits (Priority Pass) for the primary cardholder Product page
- 2% forex markup Product page
- Buy one movie ticket and get up to ₹750 off the second, up to 4 times a month on BookMyShow Product page
- Up to 4 golf rounds or lessons a month: one for each ₹50,000 spent in the previous month Product page
- ₹5,000 birthday voucher each year (Amex and Mastercard variants) Product page
- No cancellation charges on domestic flight and hotel bookings, up to ₹12,000 Product page
- Air accident insurance of ₹3 crore for the primary cardholder Product page
- 24/7 concierge service Product page
Eligibility
- Age 21 or above Product page
- Age 65 or below Product page
- Indian citizen Product page
- Salaried or self-employed Product page
- Salaried: monthly income of ₹1.5 lakh Product page
- Self-employed: annual income of ₹18 lakh Product page
Not published by ICICI Bank in the documents read
- the rupee value of a reward point (ICICI Bank says points have a redemption value set by the Bank)
- whether fuel spends earn reward points
- a RuPay variant for UPI
- a welcome benefit
- a monthly cap on the fuel surcharge waiver
The quotes behind the figures
27 figures, each copied from an official ICICI Bank document.
Show every quote and source
“Joining Fee- ₹12,000 + GST”
“Annual Fee- ₹12,000 + GST (Spend over ₹10 lakh and get your Annual Fee waived for the next year)”
“Forex Markup 2%”
“Earn Points on every ₹100 spend 4 On Domestic Spend 4 On International Spend 1 On Utility and Insurance Spend”
“Starting 05 February 2024, the government transactions will be included under utility payment transactions.”
“From 05 February 2024, rent pay and e-wallet loading transactions will not accrue any reward points.”
“Luxurious Lifestyle Emeralde Credit Card Apply Now”
“No. Reward points are not equivalent to currency and have a redemption value determined by the Bank.”
“ICICI Bank Emeralde Metal Credit Card, ICICI Bank Emeralde Credit Card, ICICI Bank Emeralde Private Credit Card 2.00%”
“Finance Charges Pay 3.75% interest per month”
“Late Payment Charges Ranging from ₹100 to ₹1,300”
“Yes. A Redemption Handling Fee of ₹99 plus applicable GST is charged for every redemption request.”
“For lounge visits within India, the primary Cardholder can avail unlimited complimentary lounge access using their ICICI Bank Emeralde Credit Card.”
“Cardholders can avail of a 1% fuel surcharge waiver on all fuel transactions of up to ₹ 4,000 at any fuel outlet in India.”
“Enjoy unlimited complimentary accesses to international airport lounges with ICICI Bank Emeralde Credit Card.”
“2% off Get a reduced mark-up fee on international transactions”
“Buy one ticket and get up to ₹750 off on the second ticket, up to 4 times in a month through BookMyShow”
“As an Emeralde Credit Cardholder, you are eligible for a round or lesson of golf for every ₹ 50,000 spent on retail purchases in the previous calendar month. You can avail a maximum of 4 rounds per month.”
“Eligible Emeralde Credit Card customers can receive a ₹5000 birthday benefits vouchers on eligible American Express and Mastercard variant cards, subject to the applicable terms and conditions”
“No cancellation charges on domestic flight and hotel bookings, up to ₹12,000.”
“The primary Cardholder is entitled to Air Accident insurance coverage of ₹ 3 crore.”
“Get round-the-clock concierge assistance by calling the toll-free number 18002670731”
“An Indian citizen over 21 years of age”
“You must be between 21–65 years of age to be eligible to apply for the ICICI Bank Emeralde Credit Card.”
“Self-employed with an annual income of ₹18,00,000”
“A salaried individual with a monthly income of ₹1,50,000”
“Apply now Emeralde Credit Card: Fees & Charges”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with ICICI Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is ICICI Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology