ICICI Bank Emeralde Credit Card
ICICI Bank
Unlimited lounge access without invite-only restrictions — the accessible version of the Private Metal tier.
₹12,000
Joining fee
₹12,000, waived at ₹10L spend
Annual fee
Waived if annual spend exceeds Rs 10,00,000 in the previous year (Rs 12,000 fee).
2%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹1,50,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 780+
Estimated — not officially confirmed by the bank.
Age: 21–65
Salaried min Rs 1,50,000/month or self-employed min Rs 18,00,000/year; Indian citizen
Sources disagree: Paisabazaar explicitly notes 'card unavailable on Paisabazaar' for direct application through that aggregator, even though the official page is live and appears to accept applications — flagged as a possible distribution-channel restriction rather than full discontinuation.
Lounge access
Unlimited domestic & international lounge visits
Key features
- Unlimited domestic & international lounges
- 4 pts/₹100 domestic & international spends
- Monthly golf
- BOGO movie offer
Reward details
4 points per Rs 100 on domestic and international spend
Category caps
- Utilities/insurance: 1 point per Rs 100
Redemption
Aggregator estimates redemption value at roughly Rs 0.25/point and flags this as low
Ratio: ~Rs 0.25/point
- Buy 1 Get 1 movie tickets via BookMyShow up to Rs 750 off, up to 4 times monthly (gated by Rs 25,000+ quarterly spend); 4 complimentary golf rounds monthly (same gate, max 4 rounds/month); Rs 5,000 birthday voucher (aggregator-sourced); air accident insurance of Rs 3 crore for international travel, applicable only when the ticket is purchased with the card and the incident occurs within 60 days of purchase
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Comprehensive lifestyle perks, inclusion of utilities/insurance in the rewards program, comparatively low 2% forex markup for travelers — Paisabazaar
Complaints
- Low redemption value and limited redemption options; high Rs 10 lakh spend threshold to waive the fee; no miles-conversion option; aggregator suggests better alternatives exist in the premium credit card segment — Paisabazaar
Sources
- Official — fees, eligibility, forex, lounge, rewards
- Aggregator — rewards, sentiment, availability