ICICI Bank Emeralde credit card
ICICI BankVisaSuper-premium

Emeralde credit card

Non-metal Emeralde: unlimited lounges, 6 RP per ₹200 and zero cancellation-fee cover.

25
Personal score25/100● Weak fit
Recurring net savings−₹9,440/yrafter fee, GST and caps · bills paid in full
First-year value−₹9,440no welcome offer, ₹14,160 joining fee
Effective savings rate-2.9%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)You pay ₹14,160waiver at ₹8,00,000 spend
Lounge access✈∞ dom🌏∞ intlyou can use 2 of your visits
PersonaliseOfficial page ↗

Source: ICICI Bank – Emeralde product page · last reviewed 2026-09-12

Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.

Why it fits – and what to watch

hover any tile for the detail
₹2,992/yrBase rate 1.5% on other spends
−₹14,160Fee you pay
2/2lounge visits covered
₹36,000earns nothing (fuel)

! You pay the ₹14,160 annual fee (incl. GST) – waiver needs ₹8,00,000 spend.

Where the money comes from

−₹9,440/yr · -2.9%
Base rate 1.5% on other spendson ₹1,99,440₹2,992
Utilities, insurance, grocery cappedon ₹91,200₹1,368
Excluded categories (no rewards)on ₹36,000₹0
Fuel surcharge waiver₹360
Renewal fee incl. GSTyou pay it−₹14,160

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How the score of 25 is built

weights total 100% · methodology
Net savings rate0/100 × 55%0.0
Usable lounge access100/100 × 15%15.0
Redemption flexibility60/100 × 10%6.0
Lifestyle fit0/100 × 10%0.0
Simplicity60/100 × 5%3.0
Fee safety24/100 × 5%1.2

Airport lounges with this card

Open Lounge Finder →
42airports in India
64lounges you can enter
Unlimiteddomestic
Unlimitedinternational

How you get in: issuer programme (bank / operator app) · Priority Pass. Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.

DEL Delhi 6 lounges
  • ✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
  • 🌏T3 Encalm Privé (T3 International) Encalm · via Priority Pass verified
  • 🌏T3 Plaza Premium Lounge (T3 International) Plaza Premium · via Priority Pass verified
  • ✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
  • ✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified
HYD Hyderabad 4 lounges
  • ✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
  • 🌏Main Plaza Premium Lounge (International) Plaza Premium · via Priority Pass verified
  • 🌏Main Encalm Privé (International) Encalm · via Priority Pass check at desk
BOM Mumbai 4 lounges
  • ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
  • ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
  • 🌏T2 Adani Lounge (T2 International) Adani Airports · via Priority Pass verified
  • ✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified
BLR Bengaluru 3 lounges
  • ✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
  • 🌏T2 080 International Lounge BIAL · via Priority Pass verified
  • ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
MAA Chennai 3 lounges
  • ✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
  • ✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
  • 🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified
AMD Ahmedabad 2 lounges
  • ✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
  • 🌏T2 Adani Lounge (International) Adani Airports · via Priority Pass verified
ATQ Amritsar 2 lounges
  • ✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
  • 🌏Main Bird Lounge (International) Bird Group · via Priority Pass check at desk
GOX Goa (Mopa) 2 lounges
  • ✈Main Mopa Airport Lounge (Domestic) GMR · via issuer programme (bank / operator app) check at desk
  • 🌏Main Mopa Airport Lounge (International) GMR · via Priority Pass check at desk
COK Kochi 2 lounges
  • ✈T1 Earth Lounge (Domestic) CIAL · via issuer programme (bank / operator app) verified
  • 🌏T3 Earth Lounge (International) CIAL · via Priority Pass verified
CCU Kolkata 2 lounges
  • ✈T2 Travel Club Lounge (Domestic) Travel Food Services · via issuer programme (bank / operator app) verified
  • 🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified
LKO Lucknow 2 lounges
  • ✈T3 Adani Lounge (Lucknow) Adani Airports · via issuer programme (bank / operator app) verified
  • 🌏T3 Adani Lounge (Lucknow International) Adani Airports · via Priority Pass check at desk
TRV Thiruvananthapuram 2 lounges
  • ✈T2 Adani Lounge (Thiruvananthapuram Domestic) Adani Airports · via issuer programme (bank / operator app) verified
  • 🌏T2 Adani Lounge (Thiruvananthapuram International) Adani Airports · via Priority Pass check at desk

+ 30 more airports in the Lounge Finder.

Card facts

💳 Base earn1.5%value on eligible spend
⚡ Accelerated1.5% Utilities, insurance,…
🚫 No rewards onfuelrent
🏷️ Fees₹14,160/yr incl. GSTwaived on ₹8,00,000 spend · joining ₹12,000
🎁 Welcome (year 1)none
🏁 Milestonesnone
✈️ Lounge✈∞ dom🌏∞ intlUnlimited domestic + international
🌏 Forex markup1.5%+ GST on the markup
🔁 Redemption₹0.5/ICICI Reward Points ★★★☆☆₹1 on flights via iShop, ₹0.50 vouchers; realistic ₹0.50.
🧩 Simplicity★★★☆☆a few caps to track
🎯 Lifestylegolfmoviesconciergeinsurance coverzero forexBookMyShow ₹750 off twice a month · Unlimited golf
🪪 EligibilityIncome ₹18L+/yr

At a glance

  • Unlimited lounges
  • Big movie discounts
  • 1.5% forex
  • 1.5% base earn
  • Waiver at ₹8L

Community Q&A on the Emeralde

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the ICICI Bank Emeralde?

Joining fee ₹12,000 and renewal fee ₹12,000, plus 18% GST (₹14,160 a year). The renewal fee is waived if you spend ₹8,00,000 in the card year.

Does the Emeralde give airport lounge access?

unlimited domestic + unlimited international/yr. Unlimited domestic + international.

How much can I save with the Emeralde?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is −₹9,440 a year, an effective savings rate of -2.9% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Emeralde's reward exclusions and caps?

No rewards on fuel, rent. Utilities, insurance, grocery capped: capped at ₹1,000 a month

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.