All cards / ICICI Bank
ICICI Emeralde
A super-premium travel card for high spenders — unlimited domestic lounge access plus Priority Pass, and a flat ~4 points per ₹100 on general spend (utilities earn less, at 1 point per ₹100).
Rates and fees last verified 19 July 2026.
Annual fee
₹12,000
Joining fee
₹12,000
Reward type
points
Base reward rate
4%
Card network
Visa
Card tier
Super-premium
Reward rates by category
- Utilities1%
Eligibility
- Minimum credit score: 780
- Minimum monthly income: ₹1,50,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- Unlimited domestic lounge access + Priority Pass international access (1,400+ lounges)
- ₹3 crore air accident cover (ticket purchased on card)
- 1% fuel surcharge waiver, capped ₹4,000/transaction
Pros
- + Unlimited domestic lounge access + Priority Pass
- + ₹3 crore air accident cover
- + Reduced 2% forex markup
Cons
- − Very high income requirement (₹1.5L/month)
- − High annual fee needs ₹10L/year spend to waive
Applying takes you to ICICI Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.