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CREDIT CARD

Emirates Skywards ICICI Bank Emeralde Credit Card

ICICI Bank

Earns 2 Skywards Miles per ₹100 on eligible retail spends, with 10,000 bonus miles and Silver Tier on joining fee payment, plus unlimited domestic and international lounge access for the primary cardholder.

No miles on fuel, rent, insurance, utility, government, education or wallet loads. The annual fee has no spend-based reversal. Gold Tier upgrade starts only after year 1 and the next annual fee payment.

Emirates Skywards ICICI Bank Emeralde Credit Card
ANNUAL FEE
₹10,000 + GST
JOINING FEE
₹10,000 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Complimentary Emirates Skywards Silver Tier membership while the card is active, with a spend-linked upgrade to Gold Tier.
BEST FOR
Included: May suit those who collect Emirates Skywards Miles and want Skywards tier status with lounge access.
Included: May suit spenders who fly Emirates and want Skywards tier status.
Included: May suit travellers who use domestic and international airport lounges often.
Included: May suit high spenders able to reach ₹15 lakh a year, including ₹50,000 on Emirates, for Gold Tier.
Limitation: Spend mostly on fuel, rent, utilities, insurance or education, which earn no miles may wish to compare other cards.
Limitation: Those spending mostly on fuel, rent, utilities or insurance, which earn no miles may wish to compare other cards.
Limitation: Those wanting a fee waiver may wish to compare other cards.
Limitation: Those wanting lounge access for add-on cardholders may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Skywards Miles are valid for three years from the date of the flight or partner transaction that earned them.
Condition: The BookMyShow offer needs spends of ₹25,000 or more in the preceding quarter.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
21
Maximum age
Not stated

Fees & ownership

Joining fee
₹10,000 + GST
Annual / renewal fee
₹10,000 + GST
Fee waived at
Not stated
Forex markup
3.5%
Finance charge
3.75% per month
Cash withdrawal fee
2.5% of the amount, minimum ₹500
Late-payment charge
Not stated
Interest-free period
18–48 days

Benefits & privileges

TRAVEL
Domestic airport lounge
Unlimited — Unlimited complimentary access · Primary cardholder only; swipe this card at the lounge; no spend condition
International airport lounge
Unlimited — Unlimited complimentary access · Via complimentary Priority Pass membership; primary cardholder only (DreamFolks for cards applied before 15 Nov 2024)
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Priority Pass (international; cards applied on/after 15 Nov 2024); DreamFolks for earlier cards
EVERYDAY
Fuel
Not stated
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No miles on fuel, cash/ATM, EMIs, balance transfer, card loans, fees, insurance, utility, government, education, rent and wallet loads; reversed transactions earn none.; Fuel, cash advances, ATM withdrawals, EMIs, balance transfer, personal loan on card, fees/charges, insurance, utility, government, education, rent, e-wallet loads
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: Complimentary Emirates Skywards Silver Tier membership while the card is active, with a spend-linked upgrade to Gold Tier.
Included: Complimentary Priority Pass membership for the primary cardholder for international lounge access.
Included: Unlimited complimentary domestic airport lounge access for the primary cardholder, with no spend condition.
Included: Add-on cardholders earn Skywards Miles at the same rate, credited to the primary cardholder's Skywards account.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.