Joining Fee

₹10,000

Annual Fee

Rs. 10000 + Taxes

Late Payment Charges

Minimum ₹100 · Maximum ₹1,300

ICICI Bank

Travel

Lifestyle

Rewards

Best For: Frequent Emirates flyers, High spenders seeking premium travel perks, Those wanting complimentary Skywards tier membership

Emirates Emeralde

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.5

Points Validity

36 Months

Pros

10,000 Skywards Miles on joining and annual renewal
Complimentary Emirates Skywards Silver Tier membership
Unlimited international and domestic lounge access
BOGO offer on BookMyShow up to 4 times per month
Miles credited within 48 hours of statement generation

Cons

High joining and annual fee of ₹10,000 each
Gold Tier upgrade requires ₹15 lakh spend including ₹50,000 on Emirates.com
Unlimited lounge access only for primary cardholder

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Gold Tier upgrade happens only after 12 months from card issuance even if spend criteria met early

Cash advances, EMI, balance transfers, PLCC, joining/annual fees excluded from milestone spend calculations

Skywards Miles expire after 3 years from earning transaction

Lounge access and Priority Pass only for primary cardholder

Key Benefits & Features

Detailed benefits inside

Eligibility Criteria

Min. Annual Income

₹25.0 Lakhs

Age Requirement

21+ Years

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

Proof of identity

ADDRESS Proof

Proof of address

INCOME Proof

Income Proof

Notable Exclusions

Cash advances excluded from milestone spend calculationsInterest or service charges excluded from milestone spend calculationsLate payment fees excluded from milestone spend calculationsJoining and annual fees excluded from milestone spend calculationsEMI payments excluded from milestone spend calculationsBalance transfers excluded from milestone spend calculationsPersonal Loan on Credit Card (PLCC) transactions excluded from milestone spend calculations

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

These details are based on information updated on 6 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

About Emirates Emeralde

The ICICI Bank Emirates Emeralde Credit Card is a premium travel and lifestyle card designed for frequent Emirates flyers and high spenders who seek top-tier perks. Upon joining, cardholders receive 10,000 Skywards Miles and a complimentary Emirates Skywards Silver Tier membership, with the same milestone benefit repeated on annual renewal along with an upgrade to Gold Tier. Cardholders who spend ₹15 lakh within an anniversary year, including a minimum of ₹50,000 on Emirates.com, qualify for Emirates Gold Tier membership. The card offers unlimited complimentary access to international and domestic airport lounges for the primary cardholder, along with a Priority Pass membership granting access to over 1,400 lounges across 145 countries. Dining privileges are available through the ICICI Bank Culinary Treats Program, and entertainment benefits include a Buy One, Get One offer via BookMyShow, providing up to ₹750 off a second ticket. Cardholders earn 2 Skywards Miles for every ₹100 spent on both domestic and international transactions, credited directly to their Emirates Skywards account. With a joining and annual fee of ₹10,000 plus GST, the Emirates Emeralde Credit Card is tailored for individuals who regularly fly Emirates and desire a card that rewards their lifestyle generously through miles, lounge access, dining benefits, and exclusive tier memberships.

Expert Review