ICICI Bank Emeralde

Fees

Waiver: Annual fee waived from the second year on annual spend of ₹10,00,000 or more in the preceding year

Rewards

Perks

• ✓Domestic lounge access: unlimited/yrUnlimited complimentary domestic airport lounge access for the primary cardholder only; add-on/supplementary cardholders are not covered
• ✓International lounge access: unlimited/yrUnlimited access via complimentary Priority Pass membership (1,400+ lounges in 145+ countries), for the primary cardholder only; ICICI Bank's own page does not state a guest-visit fee, so treat any per-guest charge as unconfirmed
• ✓Fuel surcharge waiver: 1%
• ✓Forex markup: 2%
• ✓Concierge service
• ✓1 complimentary golf round or lesson for every ₹50,000 of retail spend in the previous calendar month, capped at 4 rounds/lessons per month, booked via the Golftripz platform
• ✓Air accident cover: ₹3 crore for international travel, primary cardholder only, requires the card to have been used within 60 days prior to the incident
• ✓1% fuel surcharge waiver applies to individual fuel transactions of up to ₹4,000 each; ICICI's own pages don't state any total waiver cap per statement cycle
• ✓Reward points earn at a reduced 1 point per ₹100 on utility bill payments and insurance premiums, versus the standard 4 points per ₹100 on other retail spend; fuel purchases earn 0 points on this card
• ✓Birthday benefit: ₹5,000 TATA CLiQ shopping voucher, but confirmed on ICICI's own page as exclusive to American Express cardholders — Mastercard and Visa cardholders do not get this
• ✓No-cancellation-charge benefit: waives cancellation charges up to ₹12,000 on domestic flight and hotel bookings, twice a year
• ✓24/7 concierge for restaurant reservations, hotel/flight bookings, car rentals and emergency/medical assistance
• ✓Also issued on American Express and Visa networks; core fees and reward rate are the same across networks per ICICI's own page, but network-specific programs differ (e.g. Mastercard Moments vs. Amex-specific benefits) and the birthday voucher above is Amex-only
• ✓Reward point redemption value/rate and any redemption fee are not stated on ICICI Bank's own Emeralde pages and are therefore left out of this record rather than sourced from third-party aggregators