ICICI Bank Emeralde Credit Card
ICICI Bank · Mastercard
Why this card?
- 1% back in reward points on eligible spends
- ₹12,000 joining and annual fee; renewal fee waived on ₹10 lakh yearly spend
- Unlimited domestic and international airport lounge access
- 1% fuel surcharge waiver
Card details
- Issuer
- ICICI Bank
- Network
- Mastercard
- Annual Fee
- ₹12,000
- Joining Fee
- ₹12,000
- Reward Type
- points
- Best Reward Rate
- 1% on all eligible spends
- Forex Markup
- 2%
- Domestic Lounge
- Unlimited
- Min. Monthly Income
- ₹1,50,000
- Rates verified
- 2026-10-06
Our verdict
ICICI Emeralde (non-metal) offers unlimited domestic and international lounge access and a 2% forex markup at ₹12,000/year, with the fee waived at ₹10 lakh annual spend. Positioned below the Private Metal variant, it still competes strongly at the ultra-premium level for those wanting ICICI Bank's premium ecosystem without the metal card exclusivity. It asks for a monthly income of ₹1.5 lakh.
Pros
- Truly unlimited domestic and international lounge access with no cap
- 2% forex markup — competitive at this fee tier
- Annual fee waived at ₹10 lakh annual spend
- ICICI Bank premium relationship benefits for HNI customers
Cons
- ₹12,000 annual fee, waived only at ₹10 lakh annual spend
- About 1% effective reward rate — lower than HDFC Infinia or Axis Reserve
- Superseded by Private Metal for those who qualify — that product offers more
- Reward points ecosystem less flexible than direct cashback