Mastercard, American Express 📡 Contactless NFC

ICICI Bank Emeralde Credit Card

Joining Fee₹12,000

Annual Fee₹12,000

Forex Markup 1.5%

Application ModeDirect via Bank Website

⚖️ Card Verdict & Target Persona

Who Should Apply

High spenders and luxury patrons seeking unlimited global airport lounge access, low 1.5% forex markup, ₹3,000/month BookMyShow movie ticket benefits, and complimentary golf rounds.

Who Should Avoid

Users who cannot justify the ₹12,000 annual fee or those seeking direct air mile conversions.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Complimentary Taj Epicure Plus membership + ₹5,000 Tata CLiQ voucher on card setup and fee payment

Unlimited Domestic Airport Lounge Access

Unlimited complimentary domestic airport lounge access for primary and add-on cardholders with DreamFolks DragonPass access.

Unlimited International Lounge Access

Unlimited complimentary international airport lounge access worldwide via Priority Pass.

BOGO Movie Tickets up to ₹750

Buy 1 Get 1 free on movie and event tickets on BookMyShow (up to ₹750 off per ticket, up to 4 times a month).

💰 Reward Structure & Point Valuation

1 ICICI Reward Points = ₹0.25

Standard Base Earning

4 ICICI Reward Points per ₹100 spent on regular retail transactions (1.0% return; 1 RP = ₹0.25)

Accelerated / Partner Rate

4 ICICI Reward Points per ₹100 (1.0% return) on all retail spends; Low 1.5% foreign currency markup fee; Buy 1 Get 1 free on BookMyShow (up to ₹750 discount up to 4 times a month, saving ₹3,000/mo); Unlimited complimentary golf rounds (1 round for every ₹50k monthly spend)

Points Validity:36 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: ICICI Rewards Portal (Brand Vouchers & Electronics at 1 RP = ₹0.25), Direct Statement Cash Credit (1 RP = ₹0.25)

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Rent Payments Government Transactions Jewellery Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge VisitsUnlimited complimentary domestic airport lounge access for primary and add-on cardholders

🌐

International Lounge VisitsUnlimited complimentary international airport lounge access worldwide via Priority Pass for primary cardholder

⚠️

Spend Criteria: None (Unconditional VIP access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹1,500,000/yr

Annual renewal fee of ₹12,000 + GST is waived off on spending ₹15,00,000 or more in the previous anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Mastercard/Amex network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (Capped at ₹500/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹150,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):1.50% to 3.50% per month (18.0% to 42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,200

Official Bank Portal Application

Get the ICICI Bank Emeralde Credit Card

Annual Fee: ₹12,000/yr (Waivable)

Personalized Card Matcher

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Frequently Asked Questions

No, ICICI Bank Emeralde Credit Card has a joining fee of ₹12000 and an annual renewal fee of ₹12000 (plus applicable taxes).