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REWARD POINTS CARD

ICICI Bank Emeralde Credit Card

ICICI Bank

Unlimited domestic and international airport lounge access for the primary cardholder, 4 Reward Points per ₹100 on domestic and international spends, and up to 4 golf rounds a month based on spends.

₹12,000 + GST joining and annual fee. Golf needs ₹50,000 retail spend per round in the previous month; BookMyShow offer needs ₹25,000 spend in the preceding quarter. No reward points on cash, rent, wallet loads or fuel.

ICICI Bank Emeralde Credit Card
ANNUAL FEE
₹12,000 + GST
JOINING FEE
₹12,000 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Unlimited complimentary domestic and international airport lounge access for the primary cardholder
BEST FOR
Included: May suit cardholders who fly often and regularly use lounge, golf and BookMyShow benefits
Included: May suit frequent air travellers who use airport lounges in India and abroad.
Included: May suit those spending ₹50,000 or more a month on retail purchases who play golf.
Included: May suit regular international spenders, given the 2% forex mark-up.
Limitation: Low or occasional spenders, given the ₹12,000 + GST annual fee may wish to compare other cards.
Limitation: Those low spenders, given the ₹12,000 + GST annual fee from year 2 may wish to compare other cards.
Limitation: Those whose spends are mostly utilities or insurance may wish to compare other cards.
Limitation: Add-on/Plus cardholders seeking lounge access, which is for the primary cardholder may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Golf: 1 round or lesson per ₹50,000 retail spend in the previous calendar month, max 4 a month; credited by the 10th, usable for the next two months.
Condition: BookMyShow offer needs ₹25,000 spend in the preceding quarter; Add-on/Plus cardholders must each meet this to be eligible.

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
65

Fees & ownership

Joining fee
₹12,000 + GST
Annual / renewal fee
₹12,000 + GST
Fee waived at
Not stated
Forex markup
2%
Finance charge
3.75% per month
Cash withdrawal fee
₹0
Late-payment charge
Not stated
Interest-free period
18–48 days

Benefits & privileges

TRAVEL
Domestic airport lounge
Unlimited — Unlimited complimentary visits · Primary cardholder only; swipe card at lounge (₹2 auth; ₹1 on Amex); guest visits chargeable; max 3 hours per visit
International airport lounge
Unlimited — Unlimited complimentary visits · Complimentary Priority Pass membership for the primary cardholder; 1,900+ lounges in 145+ countries
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Priority Pass (international lounges)
EVERYDAY
Fuel
1% waiver on fuel transactions up to ₹4,000 at any fuel outlet in India; primary and Plus cardholders
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No reward points on cash, rent, e-wallet reload, fuel or EMI transactions; utility and insurance earn 1 RP per ₹100 with spend caps; Cash, rent, e-wallet reload, fuel and EMI transactions
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
36 months
Redemption fee
₹99
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: Unlimited complimentary domestic and international airport lounge access for the primary cardholder
Included: Unlimited domestic and international airport lounge access for the primary cardholder, with complimentary Priority Pass membership.
Included: No cancellation charges on domestic flight and hotel bookings twice a year, up to ₹12,000.
Included: 2% forex mark-up, no cash advance transaction fee and no over-limit fee.
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.