ICICI Bank Emirates Emeralde Credit Card

Annual fee

₹10,000 a year.₹10,000 + Goods and Services Tax (GST)

Joining fee

₹10,000 to join.₹10,000 + Goods and Services Tax

Add-on card fee

₹199.

Welcome benefit

Get 10,000 Skywards Miles and Emirates Skywards Silver Tier Membership.

Reward rate

Emirates Skywards: 2 miles per ₹100 spent on international and domestic spend.

Reward earning on international spends

2 Emirates Skywards miles on every ₹100 International Spend.

Reward exclusions

Skywards Miles per ₹100 spent: 0 on Fuel, Cash Advances, ATM Withdrawals, EMIs, Balance Transfer, Personal Loan on Credit Card, Fees and other charges, Insurance payments, Utility payments, Government spends, Education payments, rent payments, e-wallet loading transactions.

Reward caps

Skywards Miles earning is up to the credit limit assigned to the Credit Card for each statement cycle

Point expiry

Valid for three years from the date of the flight or partner transaction that earned them.

Domestic lounge access

For lounge visits within India, Primary Cardholders can avail unlimited complimentary lounge access through ICICI Bank Emirates Emeralde Credit Card.

International lounge access

Enjoy unlimited complimentary access to international airport lounges with ICICI Bank Emirates Emeralde Credit Card.

Priority Pass

Complimentary Priority Pass Membership for the primary cardholder.

Hotel or travel programme

Get upto 10% Discount on Emirates flight bookings using the promo code INICI26 via Emirates.com

Dining programme

ICICI Bank Culinary Treats Program at multiple restaurants.

Milestone benefits

Emirates Gold Tier Membership after a spend of ₹15 lakh (including minimum ₹50,000 on Emirates.com) in the anniversary year

Renewal benefit

Get 10,000 Skywards Miles on Annual renewal.

Benefit given each anniversary year

Bonus 10,000 Skywards Miles as joining and annual benefit.

Membership tiers and what unlocks them

Complimentary Emirates Skywards Silver Tier membership for the Primary Cardholder till Credit Card is active, subject to the payment of Joining Fee

Movie or entertainment ticket benefit

Buy one ticket and get up to ₹750 off on the second ticket through BookMyShow, four times every month; spend ₹25,000 or more within the preceding spends quarter

Retention or continued-access criteria

To retain Gold Tier status in every subsequent year, achieve the spends milestone and ensure payment of the annual fee before the due date.

Forex markup

3.50% on foreign currency transactions.

Cash advance fee

2.5% on advanced amount, subject to minimum of ₹500

Cash withdrawal limit

The Credit Limit and Cash Withdrawal Limit are communicated at the time of delivery of the Card and are indicated in the monthly statements.

Interest on unpaid balance

3.75% interest per month

Interest-free period

Interest-free period could range from 18 to 48 days; grace period of 3 days after payment due date

Late payment fee

Ranging from ₹100 to ₹1,300.

Over-limit fee

2.50% of the over-limit amount, subject to a minimum of ₹550

Payment return or dishonour fee

Return of cheque or Auto-Debit return: 2% of Total Amount Due (Min. ₹500)

What the card's fee or benefit year means

For the 2nd year, the spends are considered from the 1st anniversary date till the 2nd anniversary date of the Credit Card and so on

Minimum amount due

5% of the outstanding amount or such other amount as may be determined by ICICI Bank at its sole discretion.

Income requirement

Salaried: monthly income of at least ₹2,50,000; Self-employed: annual income of at least ₹30,00,000.

Minimum age

An Indian citizen over 21 years of age.