ICICI Bank Emirates Emeralde Credit Card
ICICI Bank
Annual / renewal fee
Confirm on the official page
Official source not yet captured
Earn rate
Confirm on the official page
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This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at icici.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at icici.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
ICICI Bank Emirates Emeralde Credit Card by ICICI Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
Confirm on the official page
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Annual / renewal fee
Confirm on the official page
Official source not yet captured
Fee waiver
Confirm on the official page
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Rewards
Redemption value
- Reward Handling Fee: ₹99 (Hand-picked Rewards Scheme), ₹99 (ICICI Bank Rewards Scheme).
- ₹25 for online and in-store redemptions at Online Partner Brands.
- Reward points have expiry of 36 months from the date of issuance.
Verifiedmitc21 Aug 2026, 12:07 AM ISTICICI Bank
Travel & lounge
Lounge access
- Unlimited complimentary domestic & international lounge access, and complimentary Emirates Skywards Silver Tier membership.
- All other features remain unchanged.
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Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Complimentary Emirates Skywards Silver Tier membership.
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Insurance
- Purchase Protection: cover against Standard Fire and Allied perils and Burglary in residential premises.
- Valid for 90 days from date of purchase.
- Claim to be intimated within 30 days of date of loss.
- Geographical Limits - Indian Territory (jewellery, perishable items and movable electronics like Mobile, tablets, Laptops not covered).
- Baggage Insurance: covers loss or damage to Baggage due to accident or misfortune whilst on journey within India up to sum insured.
- Damage or loss to be reported to police within 24 hours (cash and jewellery excluded).
Verifiedinsurance21 Aug 2026, 12:07 AM ISTICICI Bank
Milestone benefit
- Upon achieving the annual spends milestone of 15 lakh, of which 50,000 must be spent with Emirates on flights booked via emirates.com or the Emirates Contact Centre within the anniversary year, the Emirates Skywards Gold tier membership will be active upon payment of the annual fee in the subsequent year.
- BookMyShow offer: enjoy the BookMyShow offer by spending ₹25,000 or more in the preceding quarter (w.e.f. Jan 15, 2026).
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Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
- Markup of 3.50% (foreign currency transactions).
- A refund initiated by the customer on similar Foreign Currency transactions will also attract a 3.5% Mark-up fee.
Verifiedmitc21 Aug 2026, 12:07 AM ISTICICI Bank
Charge
- Finance charges: 3.75% per month i.e. 45% per annum (w.e.f. Nov 15, 2024).
- Cash advance transaction fee: 2.5% on advanced amount, subject to minimum of ₹500.
- Card replacement fee: ₹100 for all cards.
- Dynamic Currency Conversion Fee: 3.5% (w.e.f. Jan 15, 2026) on transactions in Indian currency at international locations or at merchants located in India but registered in a foreign nation.
- Rent Pay transactions: 1% fee (MCC 6513).
- Fuel transaction: 1% of transaction amount for fuel transactions exceeding ₹10,000 (w.e.f. Nov 15, 2024).
- Utility transaction: 1% of transaction amount exceeding ₹50,000 (w.e.f. Nov 15, 2024).
- Transportation transaction: 1% on transactions exceeding ₹50,000 (w.e.f. Jan 15, 2026).
- Education payment: 1% for education payments made through third-party apps (w.e.f. Nov 15, 2024).
- Skill-Based Gaming transactions: 2% (w.e.f. Jan 15, 2026).
- Wallet Load: 1% for wallet load transactions of ₹5,000 or more (w.e.f. Jan 15, 2026).
- Over-limit charges: 2.50% on the over-limit amount (subject to a minimum of ₹550).
- Late Payment Charges applicable per outstanding slab.
Verifiedmitc21 Aug 2026, 12:07 AM ISTICICI Bank
Interest-free period
- Interest-free period could range from 18 to 48 days.
- Grace period of 3 days after payment due date.
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Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What lounge access does the ICICI Bank Emirates Emeralde Credit Card include?
Unlimited complimentary domestic & international lounge access, and complimentary Emirates Skywards Silver Tier membership.
mitcWhat welcome benefit does the ICICI Bank Emirates Emeralde Credit Card offer?
Complimentary Emirates Skywards Silver Tier membership.
mitcWhat are the transfer ratios for ICICI Bank Emirates Emeralde Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.icici.bank.in/personal-banking/cards/credit-card/emirates-skywards/emirates-emeralde.
VerifiedICICI Bank Emirates Emeralde Credit Card product page21 Aug 2026, 12:07 AM ISTICICI Bank
Verified 2026-08-20 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.