Super-Premium Luxury & Lifestyle — Unlimited Airport Lounges, Spas & ₹750 BookMyShow BOGO
Affluent travelers, luxury lifestyle seekers, and frequent flyers seeking unlimited lounge and spa access with premier golf and movie privileges.
₹12,000
One-time upfront₹12,000
Waived on ₹15 lakh annual spend4 RPs on every Rs. 100 spent on all transactions (except fuel, utilities and insurance categories) and 1 RP on every purchase of Rs. 100 on insurance and utilities.
On eligible spendsUnlimited Domestic & International
Complimentary visitsLast verified 17 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The ICICI Bank Emeralde Credit Card stands as one of ICICI Bank's most prestigious super-premium lifestyle offerings, crafted specifically for affluent individuals who prioritize premium airport comfort, high-end entertainment, and luxury lifestyle indulgences. The card carries an **annual fee of ₹12,000 + GST** (or a monthly payment variant of ₹1,000 + GST), which is completely waived upon achieving annual retail spends of ₹15,00,000 in the preceding anniversary year. Upon payment of the joining fee, cardholders receive a luxury welcome gift of **12,000 ICICI reward points** or high-end retail gift vouchers, immediately offsetting the initial outlay. The travel proposition of the Emeralde Credit Card is genuinely world-class: cardholders enjoy **unlimited complimentary domestic airport lounge access** for both primary and add-on cardholders, paired with **unlimited complimentary international airport lounge access** via DreamFolks / Priority Pass. Elevating the experience further, Emeralde includes **unlimited complimentary airport spa sessions** across participating domestic terminals, making long layovers and flight delays remarkably comfortable. For global travelers, the card features an attractive, reduced **foreign currency markup of 1.50% + GST**, significantly undercutting the standard 3.5% fee charged by mainstream credit cards. On the lifestyle and entertainment front, Emeralde offers an unmatched cinema benefit: **Buy 1 Get 1 free on movie and event tickets on BookMyShow (up to ₹750 discount per ticket)**, usable up to **4 times per calendar month (up to ₹3,000 monthly / ₹36,000 annual savings)**. Additional perks include unlimited complimentary golf games and coaching lessons every month, alongside 4 Reward Points per ₹100 spent on all retail transactions (1.0% base return). While its direct reward yield on everyday shopping is moderate compared to pure air-mile heavyweights, its combination of unlimited lounge and spa access, luxury cinema savings, and low forex fee makes it an outstanding super-premium card for high-net-worth lifestyle spenders.
4 RPs on every Rs. 100 spent on all transactions (except fuel, utilities and insurance categories) and 1 RP on every purchase of Rs. 100 on insurance and utilities.
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Retail Spends | 4 Reward Points per ₹100 spent (1.00% valueback; 1 RP = ₹0.25) | No Cap | Standard terms apply |
| Utilities & Insurance | 1 Reward Point per ₹100 spent | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Retail Spends | ₹6,000 | 4 Reward Points per ₹100 spent (1.00% valueback; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Utilities & Insurance | ₹6,000 | 1 Reward Point per ₹100 spent | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹12,000
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹12,000 + GST (Welcome gift of 12,000 ICICI reward points or premium gift vouchers upon fee settlement). • Annual Renewal Fee: ₹12,000 + GST (or ₹1,000 monthly fee variant). • Spend-Based Fee Waiver: Annual fee waived on achieving retail spends of ₹15,00,000 in the preceding membership year. • Domestic Airport Lounge Access: Unlimited complimentary domestic airport lounge access for primary and add-on cardholders. • International Airport Lounge Access: Unlimited complimentary international airport lounge access via DreamFolks / Priority Pass. • Airport Spa Services: Unlimited complimentary airport spa visits at participating domestic airports via DreamFolks. • Entertainment Privileges: Buy 1 Get 1 free on movie and event tickets via BookMyShow up to ₹750 per ticket, up to 4 times per calendar month (max ₹3,000 monthly savings). • Golf Privileges: Unlimited complimentary golf rounds and golf coaching lessons every month at partner courses worldwide. • Foreign Currency Markup: 1.50% + GST on all international foreign currency retail transactions. • Base Rewards: 4 Reward Points per ₹100 spent on all retail transactions (1 RP = ₹0.25; 1.0% value back). • Fuel Surcharge Waiver: 1% surcharge waiver on fuel transactions between ₹400 and ₹4,000 across all fuel stations in India.
Evaluate whether this card's perks and waiver threshold justify its ₹12,000 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding ICICI Bank Emeralde Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official ICICI Bank portal with paperless verification.
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Rewards: 1 EDGE Mile/₹100 on Domestic and 2 EDGE Mile/₹100 on International Spends
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Forex markup: 1.8% Low Forex
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Rewards: 6 Reward Points per ₹150 on online; 3 RP per ₹150 on offline; 10X on birthday (1 RP = ₹1.00 on travel)
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Forex markup: 0% (Zero Forex)
Renewal fee waived on ₹25,00,000 annual spend
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Rewards: 36 RPs for Each Spend of Rs. 200 on Online Shopping and 18 RPs for Each Offline Spend of Rs. 200
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Forex markup: 1% Low Forex
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