ICICI Emeralde
Annual Fee
₹12,000
Rewards/₹100 ⓘ
₹1.00 - ₹3.00
Interest Rate
23.88%
Credit Score
750+
At a Glance
Key Benefits
Reward points, 1.50% forex markup
Lounge Access
Unlimited domestic + Unlimited intl lounges/year
Eligibility
Income: Above Rs 1 Lakh/month, CIBIL: 750+
Quick Details
Reward Structure
All Spends
Flights via iShop
Hotels via iShop
Reward Calculator
Milestone Benefits
Cancellation charges refund (max 2/year)
Spend ₹0
value
Airport Lounge Access
visits
visits
Insurance Coverage
Air Accident
₹3,00,00,000
Lifestyle Perks
Movies
4 /month
Rs 750 off on BookMyShow
Golf
4 /month
Golf rounds on Rs 50K spend
Concierge
24x7 concierge service
Quick Analysis
ICICI Emeralde offers exceptional value for travel-focused HNIs who can maximize iShop bookings.
Pros
- Unlimited domestic & international lounge access. Up to 12X rewards on hotel bookings via iShop. Low 1.5% forex markup. Rs 750 off on BookMyShow. Golf rounds based on spend. Rs 3 Cr air accident cover. Cancellation refund up to Rs 12,000
Cons
- High income requirement (Rs 2L/month salaried). Low base reward value of Rs 0.25. Annual fee of Rs 12,000. Requires Rs 10L spend for fee waiver. Lounge access only for primary cardholder
Best For
Frequent travelers, iShop users, luxury lifestyle seekers, those booking hotels/flights often
Not Ideal For
Domestic-focused users, cashback seekers, those with low credit scores
Frequently Asked Questions
What is the annual fee for ICICI Emeralde?
What are the eligibility requirements for ICICI Emeralde?
Does ICICI Emeralde offer lounge access?
What rewards does ICICI Emeralde offer?
What is the forex markup on international transactions?
Which payment network does ICICI Emeralde use?
User Reviews
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