Emirates Skywards ICICI Bank Emeralde Credit Card
ICICI Bank
For Emirates loyalists specifically — miles convert directly to Skywards, not a generic points currency.
₹10,000
Joining fee
₹10,000
Annual fee
Not found — no waiver mentioned by official page or aggregator (Rs 10,000 fee).
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹2,50,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 780+
Estimated — not officially confirmed by the bank.
Age: 21–60
Salaried min Rs 2,50,000/month or self-employed min Rs 30,00,000/year per official page; aggregator states income requirement is 'communicated during application' (less specific)
Lounge access
Unlimited domestic & international lounge visits
Note: Complimentary lounge benefits restricted to the primary cardholder only (official).
Domestic: unlimited for the primary cardholder
International: unlimited via Priority Pass (1,900+ lounges, 145+ countries)
Key features
- Unlimited domestic & international lounges
- 10,000 Skywards Miles on joining + renewal
- Gold Tier upgrade at ₹15L spend
Reward details
2 Emirates Skywards Miles per Rs 100 spent, domestic and international (official); aggregator frames this as 'up to 2.5% rewards on all spends' — minor discrepancy
Welcome bonus: 10,000 Skywards Miles plus complimentary Silver Tier membership
- Rs 15,00,000 annual spend with at least Rs 50,000 spent on Emirates.com: 10,000 miles plus Gold Tier upgrade
Redemption
Usable by the primary cardholder or an authorized travel coordinator only; miles expire after 3 years of earning
- Up to 10% discount on Emirates flights with promo code INICI26; 1% fuel surcharge waiver up to Rs 4,000 (capped at Rs 250/month per aggregator); BookMyShow offers gated by Rs 25,000 quarterly spend
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Well suited to Emirates loyalists who can earn miles on everyday spending; complimentary Silver Tier membership with a realistic path to Gold Tier at Rs 15 lakh annual spend — Paisabazaar
Complaints
- 3.5% forex markup 'significantly reduces value' for international travelers; high annual fees may not be justified for casual/occasional flyers — Paisabazaar
Sources
- Official — fees, eligibility, lounge, rewards
- Aggregator — forex, rewards, sentiment