ICICI Bank
ICICI Bank Emeralde Credit Card
Annual Fee
₹14,160₹12,000 + GSTBase Reward
4% points
Foreign Markup
2%
Product Highlights
- Unlimited complimentary domestic and international airport lounge access.
- Up to ₹750 off on purchase of second ticket onwards on BookMyShow for all movie and non-movie ticket purchases.
- Complimentary golf round/lesson on every ₹50,000 spent on the card in the previous month.
- Reversal of cancellation charges (up to ₹12,000) on a maximum of 2 transactions/year for flight/hotel/movie ticket booking.
Category Rewards
Specialty
4 RP per ₹100 on international spend
1X
utilities
1 RP per ₹100 on utilities/insurance
0.25X
Specialty
1 RP per ₹100 on utilities/insurance
0.25X
Fee Waiver
Annual Fee Waiver on Spends of ₹10 Lakh or More
Reward Calculator
Costs you ₹12,510/year
Break-even needs ~₹1,37,310/month at your reward mix.
₹16K
across all your buckets
6.6K
ICICI Reward Points
₹1.6K
via standard · ₹0.25/pt
Effective rate
0.86%
Annual fee
₹14,160
Year 1 net
₹-12,510
Year 2+ net
₹-12,510
ongoing
Adjust your spend by reward bucket
3 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Rent payment surcharge
1%Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.
Wallet load surcharge
1%from Jan 2026Kicks in after ₹5,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)
Utility payment surcharge
1%Kicks in after ₹50,000 cumulative utility spends/cycle
Foreign exchange markup
2%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, rent, wallet, emi, cash advance, utility
Fuel surcharge waiver (good news)
1%Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
4 Reward Points on every ₹100 spent on all transactions (except fuel, utilities, and insurance categories) and 1 Reward Point on every purchase of ₹100 on insurance and utilities.
- 1 Reward Point = ₹0.25 against gifts or cash credit
Benefits & Features
Domestic: Unlimited complimentary domestic airport lounge access. International: Unlimited complimentary international airport lounge access. Unlimited complimentary access to lounges at select domestic and international airports.
Pros & Cons
Pros
- Unlimited complimentary domestic and international airport lounge access.
- 4 Reward Points on every ₹100 spent (except fuel, utilities, and insurance).
- No cancellation charge on hotel/flight bookings (up to ₹12,000) for a maximum of 2 transactions per year.
- Complimentary golf round/lesson for high spenders.
Cons
- High annual fee of ₹12,000 + GST.
- Limited to high-income individuals.
- Reward point value is relatively low at ₹0.25.
Additional Info
Excluded Categories
Partner Merchants
Ready to apply?
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Fees & Charges
Eligibility
Salaried
₹1.5L+
Self-Emp
₹18.0L+
Networks
Fee Waiver
Annual Fee Waiver on Spends of ₹10 Lakh or More