ICICI Bank
Emeralde Credit Card
SimplifyCards take:A good fit if you want a card built for premium, travel, and lounge
✓
Best for airport lounge accessBest for
Unlimited complimentary lounge visits a year across domestic and international
!
Avoid if your spend is lowWatch out
The ₹ 12,000 fee waives only at ₹ 10 lakh/year, and some benefits can be spend-gated
✦
Good fit if you want a card built for premium, travel, and loungeBottom line
It combines complimentary airport lounge access and a low 2% forex markup
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate |
|---|---|
| International Spends | 4 Reward Points / ₹100 spent |
| Utility & Insurance Spends | 1 Reward Point / ₹100 spent |
| Other Spends | 4 Reward Points / ₹100 spent |
Redemption
Statement balanceupto ₹ 0.25 per point
Airmile transferupto 0.16666666666666666 airmile per point
| Airline | Programme | Ratio |
|---|---|---|
| Air India | Maharaja Club | 6:1 |
Important conditions
1
Domestic loungeUnlimited visits per year
- Unlimited complimentary domestic and international lounge access for the primary cardholder; no spends criteria applies
2
International loungeUnlimited visits per year
- Unlimited complimentary domestic and international lounge access for the primary cardholder; no spends criteria applies
3
Fee waiverRenewal fee waived on annual spends of ₹ 10 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- Unlimited complimentary airport spa access in India
- Buy one movie or event ticket and get up to ₹750 off on the second ticket up to 4 times every month on BookMyShow, subject to spending ₹25,000 in the preceding calendar quarter
- Up to 4 complimentary golf rounds every month based on eligible spends
- No cancellation charges on domestic flight and hotel bookings, up to ₹12,000 (twice every year)
- Complimentary shopping voucher from Tata CLiQ worth ₹5,000 on your birthday (for American Express cardholders only)
- Fuel surcharge waiver of 1% on transactions up to ₹4,000 at all fuel stations
Additional details
- A transaction fee of 1% applies to utility payments exceeding ₹50,000 per month
Eligibility
Check this before you apply
Salaried
- Age: 21 years and above
- Minimum net monthly salary: ₹1,50,000
Self-employed
- Age: 21 years and above
- Minimum annual income / ITR: ₹18,00,000
Exclusions
Spending that does not earn reward points
- Fuel transactions
- Rent payments
- E-wallet loading transactions
- Government transactions
- Tax payments
- EMI transactions
Compare before you decide
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