ICICI Bank

Emeralde

ICICI Bank Emeralde

Super-premium ICICI Bank card with unlimited domestic and international lounge access, golf benefits tied to spend, and ₹12,000 annual fee waived on ₹10 lakh annual spend.

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Also available on Amex

ICICI Bank Emeralde is issued on more than one network — each has different rewards and lounge access.

ICICI Bank
Amex
Emeralde
Amex variant
Same core fees and 4-points-per-₹100 reward rate as the Mastercard Emeralde, but this network gets an Amex-exclusive ₹5,000 TATA CLiQ birthday voucher and Amex-specific privilege programs (Live the World Privileges, American Express Connect) in place of Mastercard Moments. Third-party aggregators report cashback offers on the Amex variant were revoked from 1 January 2025 — not separately confirmed or denied on ICICI's own Amex page.

Last reviewed 17 July 2026

Fees

Joining fee

₹12,000

Annual fee

₹12,000

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

Eligibility

Min. monthly income: ₹1,50,000

Age: 21–65 yrs

Employment: salaried, self employed

Rewards

fuel0x points

all other4x points

Welcome benefits

• Complimentary Priority Pass membership issued with the card, giving access to 1,400+ airport lounges in 145+ countries, on top of unlimited domestic lounge access for the primary cardholder

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 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; core fees and reward rate are the same across both networks per ICICI's own page, but network-specific programs differ (Mastercard Moments vs. Amex-specific benefits like Live the World Privileges and American Express Connect) and the birthday voucher above is Amex-only. A Visa configuration was previously reported by some sources, but ICICI's own site (privileges hub, rewards page) currently shows only Mastercard and American Express as live options for this product — a Visa Emeralde may be legacy/discontinued rather than a currently-issued variant, so it isn't asserted here.
✓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

Common questions

What is the annual fee on the ICICI Bank Emeralde?: The joining fee is ₹12,000. The annual fee is ₹12,000. Annual fee waived from the second year on annual spend of ₹10,00,000 or more in the preceding year
What are the reward rates on the ICICI Bank Emeralde?: ICICI Bank Emeralde earns 4x points on all other spends.
Does the ICICI Bank Emeralde offer airport lounge access?: Yes: unlimited domestic lounge visits per year (Unlimited complimentary domestic airport lounge access for the primary cardholder only; add-on/supplementary cardholders are not covered) and unlimited international lounge visits per year (Unlimited 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).
Who is eligible for the ICICI Bank Emeralde?: Applicants typically need a minimum age of 21, and must be salaried or self employed. Salaried applicants typically need a minimum monthly income of ₹1,50,000; self-employed applicants are typically assessed on a minimum annual income of ₹18,00,000 instead. Exact criteria are set by ICICI Bank and can vary by application.
Is the ICICI Bank Emeralde available on other networks?: Yes, it's also issued on Amex. Same core fees and 4-points-per-₹100 reward rate as the Mastercard Emeralde, but this network gets an Amex-exclusive ₹5,000 TATA CLiQ birthday voucher and Amex-specific privilege programs (Live the World Privileges, American Express Connect) in place of Mastercard Moments. Third-party aggregators report cashback offers on the Amex variant were revoked from 1 January 2025 — not separately confirmed or denied on ICICI's own Amex page.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

Fuel

₹

0x points

Everything elseBest rate

₹

4x points

Estimated annual value—

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Annual fee

₹4,500

Up to

2x points

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Annual fee

₹10,000

Up to

2x points

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Annual fee

₹5,000

Up to

2x points

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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 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; core fees and reward rate are the same across both networks per ICICI's own page, but network-specific programs differ (Mastercard Moments vs. Amex-specific benefits like Live the World Privileges and American Express Connect) and the birthday voucher above is Amex-only. A Visa configuration was previously reported by some sources, but ICICI's own site (privileges hub, rewards page) currently shows only Mastercard and American Express as live options for this product — a Visa Emeralde may be legacy/discontinued rather than a currently-issued variant, so it isn't asserted here.

✓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

Common questions

What is the annual fee on the ICICI Bank Emeralde?

The joining fee is ₹12,000. The annual fee is ₹12,000. Annual fee waived from the second year on annual spend of ₹10,00,000 or more in the preceding year

What are the reward rates on the ICICI Bank Emeralde?

ICICI Bank Emeralde earns 4x points on all other spends.

Does the ICICI Bank Emeralde offer airport lounge access?

Yes: unlimited domestic lounge visits per year (Unlimited complimentary domestic airport lounge access for the primary cardholder only; add-on/supplementary cardholders are not covered) and unlimited international lounge visits per year (Unlimited 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).

Who is eligible for the ICICI Bank Emeralde?

Applicants typically need a minimum age of 21, and must be salaried or self employed. Salaried applicants typically need a minimum monthly income of ₹1,50,000; self-employed applicants are typically assessed on a minimum annual income of ₹18,00,000 instead. Exact criteria are set by ICICI Bank and can vary by application.

Is the ICICI Bank Emeralde available on other networks?

Yes, it's also issued on Amex. Same core fees and 4-points-per-₹100 reward rate as the Mastercard Emeralde, but this network gets an Amex-exclusive ₹5,000 TATA CLiQ birthday voucher and Amex-specific privilege programs (Live the World Privileges, American Express Connect) in place of Mastercard Moments. Third-party aggregators report cashback offers on the Amex variant were revoked from 1 January 2025 — not separately confirmed or denied on ICICI's own Amex page.

ICICI Bank Emeralde

Also available on Amex

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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ICICI Bank Emeralde

Also available on Amex

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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