Emirates Skywards ICICI Bank Emeralde Credit Card
An Emirates co-branded card (₹10,000 to join and each year) that earns 2 Skywards Miles per ₹100 on eligible retail spends, with 10,000 miles on joining and each renewal, Skywards Silver tier and unlimited airport lounge access for the primary cardholder. 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: foreign-currency markup; rupee value of a reward point. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹10,000 plus GST Product page |
|---|---|
| Annual fee | ₹10,000 plus GST Product page |
| Annual fee waiver | None on record |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | Not on record |
| The foreign-currency markup is given only in ICICI Bank's MITC PDF, whose text layer cannot be extracted for quoting, so it is left out. The product page offers no annual-fee waiver on spend. | |
Rewards
Reward points (rupee value not on record).
| Spend | Earns | Cap |
|---|---|---|
| Eligible retail spends, in India and abroad | 2 points per ₹100 Terms | no cap on record |
Earned as Emirates Skywards Miles, credited to the cardholder's Emirates Skywards account within 48 hours of each statement and redeemed with Emirates and its partners.
ICICI Bank publishes no rupee value for a Skywards Mile; miles are redeemed with Emirates, so CardWise does not price them.
No rewards on
Benefits
- Lounges: Unlimited international (Priority Pass) and domestic airport lounge access for the primary cardholder Product page
- Fuel: 1% fuel surcharge waived on fills of up to ₹4,000 at any outlet (no cap stated) Product page
- Welcome: 10,000 Skywards Miles and Emirates Skywards Silver tier membership after the joining fee is paid Terms
Also on this card
Quoted from ICICI Bank; not counted in the net value.
- 10,000 Skywards Miles every year on payment of the annual fee Terms
- Emirates Skywards Gold tier after ₹15 lakh of spend in the card year, including ₹50,000 on Emirates Product page
- Up to 10% off Emirates flights booked on emirates.com with promo code INICI26 Product page
- Unlimited international and domestic airport lounge access (primary cardholder) Product page
- BookMyShow: up to ₹750 off the second ticket, four times a month Product page
Eligibility
- Age 21 or above Product page
- Indian citizen Product page
- Salaried or self-employed Product page
- Salaried: monthly income of at least ₹2,50,000 Product page
- Self-employed: annual income of at least ₹30 lakh Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by ICICI Bank in the documents read
- the rupee value of a Skywards Mile
- a cap on the fuel surcharge waiver
- an annual-fee waiver on spend
- a RuPay variant for UPI
- an upper age limit
Where ICICI Bank’s documents differ, and what is used
- Earn rate: the product page and the T&C (updated 30 Sep 2025) give 2 Skywards Miles per ₹100; the Emirates Skywards family page FAQ still says 2.5 miles. 2 is used.
- Gold tier: the product page lists 'Upgrade to Gold Tier on annual renewal' as an annual benefit, but its own milestone line, FAQ and the T&C require ₹15 lakh of spend (including ₹50,000 on Emirates) in the card year.
- Network: the 2022 launch press release names Visa; the current product page does not name a network.
The quotes behind the figures
22 figures, each copied from an official ICICI Bank document.
Show every quote and source
“Joining fee ₹10,000 + Goods and Services Tax (GST) Annual fee ₹10,000 + Goods and Services Tax (GST)”
“Skywards Miles (per 100 spent) 2 0”
“Earn Emirates Skywards miles on every ₹100 spend 2 On International Spend 2 On Domestic Spend”
“Fuel, Cash Advances, ATM Withdrawals, Expenditure in the form of EMIs, Balance Transfer, Personal Loan on Credit Card, Fees and other charges Insurance payments, Utility payments, Government spends, Education payments, rent payments, e - wallet loading transactions.”
“You get 2.5 Miles, 2 miles and 1.5 miles for ₹100 spent using your Emaralde, Sapphiro and Rubyx credit cards.”
“For lounge visits within India, Primary Cardholders can avail unlimited complimentary lounge access through ICICI Bank Emirates Emeralde Credit Card.”
“Get 10,000 Skywards Miles on Annual renewal”
“Upgrade to Gold Tier on annual renewal”
“If only minimum due is paid Pay 3.75% interest per month”
“For late bill payment Ranging from ₹100 to ₹1,300”
“Enjoy unlimited complimentary access to international airport lounges with ICICI Bank Emirates Emeralde Credit Card. Complimentary benefits are applicable only for the primary cardholder.”
“1% Fuel Surcharge Fuel surcharge on all fuel transactions of up to ₹4,000 at any fuel outlet”
“The Primary Cardholder will receive 10,000 Skywards Miles* subject to the payment of Joining Fee.”
“Cardholder(s) will qualify for bonus 10,000 Skywards Miles as joining and annual benefit if he/she is an Emirates Skywards ICICI Bank Emeralde Credit Cardholder.”
“Emirates Gold Tier Membership after a spend of ₹15 lakh (including minimum ₹50,000 on Emirates.com) in the anniversary year.”
“Get upto 10% Discount on Emirates flight bookings using the promo code INICI26 via Emirates.com”
“Four times every month Buy one ticket and get up to ₹750 off on the second ticket through BookMyShow”
“An Indian citizen over 21 years of age”
“Self-employed with an annual income of at least ₹30,00,000”
“A salaried employee with a monthly income of at least ₹2,50,000”
“APPLY NOW Emirates Skywards ICICI Bank Emeralde Credit Card: Fees and charges”
“The co-branded credit cards, powered with Visa as the network partner, are available in three variants”
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