Card Details · CardCheck

Key Benefits

4 Reward Points per ₹100 on eligible retail spends

1 Reward Point per ₹100 on utility & insurance spends

Unlimited domestic and international airport lounge access with Priority Pass

Complimentary golf rounds and golf lessons every month on spend eligibility

Buy 1 Get 1 movie/event ticket offer up to ₹750 on BookMyShow (twice monthly)

Low forex markup fee of 2% on international transactions

₹5,000 Tata CLiQ voucher on birthday month spends milestone

Complimentary concierge services and luxury lifestyle privileges

Air accident insurance cover up to ₹3 crore

Rewards

Earning rates across spend categories

4.00%

Other

Fees & Charges

Annual fee waived on spends of ₹1,000,000

Joining Fee	₹12,000 + GST
Annual Fee	₹12,000 + GST
Annual Fee Waiver	Available
Late Payment Fee	1300.00%
Foreign Currency Markup	2.00%
Cash Advance Fee	3.75%

About this Card

The ICICI Bank Emeralde Credit Card is a super-premium lifestyle card targeting HNI customers. It provides unlimited domestic and international lounge access, 4 ICICI Reward Points per ₹100 spent, complimentary golf, spa access, and a 24/7 concierge. The 1.5% forex markup is among the lowest in India, making it excellent for international travel. Annual fee waived on ₹15L spend.

Exclusions

utility and insurance spends earn only 1 point per ₹100

EMI transactions excluded from fee-waiver spend calculation

rent, government and education payments excluded from fee-waiver spend calculation

cashback not offered

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Eligibility

Min. Income₹150,000/month

Min. Age21 years

Max. Age65 years

SalariedSelf-EmployedProfessional

Income requirement may vary
Credit limit offered depends on your credit profile and relationship with the bank.

Pros & Cons

PROS

Strong premium travel and lifestyle credit card
Unlimited domestic and international lounge access
Good golf, concierge, and entertainment benefits
Lower forex markup than many premium ICICI cards
Good insurance and travel protection coverage
Strong value for frequent travelers and luxury users
BookMyShow benefits provide good entertainment value
Premium metal-like positioning without invite-only restrictions

CONS

Reward redemption value is relatively weak (1 RP = ₹0.25 in many cases)
High annual fee of ₹12,000 + GST
Annual fee waiver threshold is very high
Best value often depends on iShop/partner redemption optimization
Some benefits have been devalued or revised recently
ICICI premium cards still lag behind Infinia and Magnus for reward flexibility
Golf benefits require spend-based eligibility
Not ideal for users preferring simple cashback rewards

Who is this card for?

High-net-worth individuals spending ₹1,00,000+/month who fly frequently, value unlimited lounge access, and need a premium concierge lifestyle card.

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Last updated: 10 Jul 2026