MyFinCards
Emirates Emeralde

Joining Fee

₹10,000

Annual Fee

Rs. 10000 + Taxes

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

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

Our Verdict

Premium travel card with Emirates Skywards miles, unlimited lounge access & Silver Tier membership.

Frequently Asked QuestionsAbout Emirates Emeralde

BENEFITSHow can I qualify for Emirates Skywards Gold Tier membership using the ICICI Bank Emirates Emeralde Credit Card?
To qualify for an upgrade to Skywards Gold Tier, you must spend a total of ₹15 lakhs within an anniversary year, with at least ₹50,000 spent on Emirates bookings. Even if these criteria are met early, the upgrade happens only after 12 months from the card issuance date and upon payment of the annual fee for the following year.
REWARDSDo supplementary cardholders earn Skywards Miles on the Emirates Emeralde Credit Card?
Yes. Any eligible spend made by supplementary cardholders of the Emirates Emeralde Credit Card will earn Skywards Miles, which will be credited to the primary cardholder's Emirates Skywards account. The rate of earning remains the same as for primary cardholders.
BENEFITSHow can I avail complimentary international airport lounge access with the Emirates Emeralde Credit Card?
Primary cardholders enjoy unlimited complimentary access to international airport lounges. If you applied on or after 15 November 2024, you receive a Priority Pass Membership giving access to 1,400+ lounges in 145+ countries. If you applied before 15 November 2024, you receive a DreamFolks Membership with access to 650+ lounges in 100+ countries. Complimentary lounge benefits are applicable only for the primary cardholder.
REWARDSWhen will Skywards Miles be reflected in my Emirates Skywards account?
The Skywards Miles earned on your Emirates Emeralde Credit Card are credited to your registered Emirates Skywards account within 48 hours of the credit card statement generation date. Your account must remain active and not delinquent during this period for the miles to be credited successfully.
APPLICATIONWhat if I don't have an Emirates Skywards account before applying for the Emirates Emeralde Credit Card?
If you are not an Emirates Skywards member at the time of application, ICICI Bank will create one for you. Your personal details, such as your name, email address, and mobile number, will be shared securely with Emirates to enroll you in the program. You do not need to have an existing Skywards account to apply for the card.
REWARDSWhat types of spending are excluded from milestone calculations on the Emirates Emeralde Credit Card?
The following spends are excluded from milestone benefit calculations: cash advances, interest or service charges, late payment fees, joining and annual fees, EMI payments, balance transfers, and Personal Loan on Credit Card (PLCC) transactions. Only retail purchases are considered, and any reversals are deducted from the total spending amount.
REWARDSHow long are Skywards Miles valid for?
Skywards Miles earned are valid for three years from the date of the flight or partner transaction that earned them. After three years, any unused miles will automatically expire. It is advisable to keep track of your miles expiry dates by logging into your Emirates Skywards account regularly.
USAGECan Skywards Miles be redeemed by someone else on behalf of the primary cardholder?
Skywards Miles can be redeemed only by the primary cardholder of the Emirates Emeralde Credit Card or their authorized travel coordinator. In the case of minors, a parent or guardian may redeem rewards on their behalf, subject to availability and Emirates Skywards terms and conditions.
FEESWhat are the joining and annual fees for the Emirates Emeralde Credit Card?
The Emirates Emeralde Credit Card has a joining fee of ₹10,000 plus applicable GST and an annual fee of ₹10,000 plus applicable GST. For late bill payments, charges range from ₹100 to ₹1,300. If only the minimum due is paid, an interest rate of 3.75% per month is applicable. Please refer to the Most Important Terms & Conditions (MITC) for a complete list of charges.
ELIGIBILITYWhat are the eligibility criteria for the Emirates Emeralde Credit Card?
To apply for the Emirates Emeralde Credit Card, you must be an Indian citizen above 21 years of age. For salaried applicants, a minimum monthly income of ₹2,50,000 is required. Self-employed applicants must have a minimum annual income of ₹45,00,000. You will need to provide proof of identity, proof of address, and income proof documents as part of the application process.
BENEFITSWhat joining and annual renewal benefits do I get with the Emirates Emeralde Credit Card?
On joining the Emirates Emeralde Credit Card, you receive 10,000 Skywards Miles and a complimentary Emirates Skywards Silver Tier membership. On annual renewal, you again receive 10,000 Skywards Miles along with a potential upgrade to Gold Tier membership, provided you meet the required spending milestones during the anniversary year.
BENEFITSWhat is the BookMyShow offer available with the Emirates Emeralde Credit Card?
Emirates Emeralde Credit Cardholders can enjoy a 'Buy One, Get One' (BOGO) offer through BookMyShow, where you can buy one ticket and get up to ₹750 off on the second ticket. This offer is available up to four times every month, making it an excellent benefit for movie and entertainment enthusiasts.
REWARDSHow many Skywards Miles do I earn per ₹100 spent on the Emirates Emeralde Credit Card?
You earn Emirates Skywards Miles on every ₹100 spent using the Emirates Emeralde Credit Card. Miles are earned on both international and domestic spends. The miles are credited to your registered Emirates Skywards account at the end of each billing cycle, and will appear in your account within 48 hours of statement generation.
BENEFITSIs there a fuel surcharge waiver available on the Emirates Emeralde Credit Card?
Yes, the Emirates Emeralde Credit Card offers a 1% fuel surcharge waiver on all fuel transactions of up to ₹4,000 at any fuel outlet across India. This benefit helps reduce the additional cost typically incurred on fuel purchases made with a credit card.
DOCUMENTSWhat documents are required to apply for the Emirates Emeralde Credit Card?
To apply for the Emirates Emeralde Credit Card, you need to submit the following documents: proof of identity (such as Aadhaar card, PAN card, or passport), proof of address (such as utility bills or bank statements), and income proof (such as salary slips for salaried individuals or IT returns for self-employed applicants). Ensure all documents are valid and up to date before applying.

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