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ICICI Bank Emeralde Credit Card
ICICI • Visa

ICICI Bank Emeralde Credit Card

ICICI premium flagship tier with broad lounge and lifestyle privileges.

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹12000Waived on INR 15L annual spends
Base Reward1.5%On all spends
Lounge Access7555 domestic • 20 intl
Est. Annual Savings₹-9,150Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹5,400

Assumes base reward rate only.

Annual fee₹12,000

Waived on INR 15L annual spends

Net value₹6,600

Estimated cost after fees.

Fee waiver target: ₹15,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Travel
4.0%
Online
2.5%
Basedefault
1.5%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • ICICI Bank Emeralde Credit Card is best positioned as a travel + international specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 4.0% on travel-aligned lanes, while broad base return remains closer to 1.5%.
  • Current mapped lounge footprint is 75, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to travel and international spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 12,000 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹12,000
  • Annual fee₹12,000
  • Waiver threshold₹15,00,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count55
  • International count20
  • Quarterly limitNot listed
  • Airport-terminal rows75
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports5
  • Approval reports3

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

MakeMyTrip ICICI Bank Credit Card

Annual fee: ₹500

Shared focus: TravelHigher top earn rate (6.0%)Estimated +₹16,820/yr value
View Details
Step 2

ICICI Bank HPCL Super Saver Credit Card

Annual fee: ₹500

Shared focus: Rewards, TravelHigher top earn rate (5.0%)Estimated +₹10,100/yr value
View Details
Step 3

Air India ICICI Bank Signature Credit Card

Annual fee: ₹4999

Shared focus: Travel, RewardsHigher top earn rate (5.0%)Estimated +₹6,205/yr value
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for ICICI Bank Emeralde Credit Card using your current year spend.

₹0 spent₹15 target

Policy signal used: Waived on INR 15L annual spends

Spend threshold

Waived on INR 15L annual spends

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Source terms mention authorization hold per lounge swipe (typically INR 2 on Visa/Mastercard/RuPay and INR 1 on AmEx) and guest visits are chargeable unless issuer states otherwise.

Priority Pass

International lounge access is listed; verify if this is via Priority Pass or direct network.

Lounge Locations

75 airport lounge rows
View lounge map and location list75 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Agartala

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

AGA • Agartala Airport • Main Terminal

Ahmedabad

4 lounges • 3 domestic • 1 international

4
Adani LoungeDomestic

AHM • Ahmedabad Airport • Terminal 2

Adani lounge - Premium LoyaltyDomestic

AHM • Ahmedabad Airport • Terminal 1

The LoungeDomestic

AHM • Ahmedabad Airport • Terminal 1

The LoungeInternational

AHM • Ahmedabad Airport • Terminal 2

Allahabad

1 lounges • 1 domestic • 0 international

1
Zesto LoungeDomestic

AL1 • Allahabad Airport • Terminal 1

Amritsar

2 lounges • 1 domestic • 1 international

2
Airr LoungeInternational

AMR • Amritsar Airport • Main Terminal

Primus LoungeDomestic

AMR • Amritsar Airport • Terminal 1

Ayodhya

1 lounges • 1 domestic • 0 international

1
Casual Dining RestaurantDomestic

AYO • Maharshi Valmiki International Airport • Main Terminal

Bengaluru

7 lounges • 5 domestic • 2 international

7
080 LoungeDomestic

BEN • Bengaluru Airport • Terminal 1

080 LoungeDomestic

BEN • Bengaluru Airport • Terminal 2

080 LoungeInternational

BEN • Bengaluru Airport • Terminal 2

080 VIP LoungeDomestic

BEN • Bengaluru Airport • Terminal 1

080 VIP LoungeInternational

BEN • Bengaluru Airport • Terminal 2

080 VIP LoungeDomestic

BEN • Bengaluru Airport • Terminal 2

BLR LoungeDomestic

BEN • Bengaluru Airport • Terminal 1

Bhopal

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

BHO • Raja Bhoj International Airport • Terminal 1

Bhubaneswar

2 lounges • 2 domestic • 0 international

2
Bird LoungeDomestic

BHU • Bhubaneswar Airport • Terminal 1

O'Vetra LoungeDomestic

BHU • Bhubaneswar Airport • Terminal 1

Calicut

1 lounges • 0 domestic • 1 international

1
Bird LoungeInternational

CAL • Calicut Airport • Terminal 1

Chandigarh

2 lounges • 1 domestic • 1 international

2
Primus LoungeInternational

CHA • Chandigarh Airport • Main Terminal

Primus LoungeDomestic

CHA • Chandigarh Airport • Main Terminal

Chennai

3 lounges • 2 domestic • 1 international

3
Travel Club LoungeDomestic

CHE • Chennai Airport • Terminal 1

Travel Club LoungeInternational

CHE • Chennai Airport • Terminal 2

Travel Club LoungeDomestic

CHE • Chennai Airport • Terminal 4

Coimbatore

1 lounges • 1 domestic • 0 international

1
Blackberry LoungeDomestic

COI • Coimbatore Airport • Terminal 1

Dabolim

2 lounges • 1 domestic • 1 international

2
Travel Club LoungeDomestic

DAB • Dabolim Airport • Main Terminal

Travel Club LoungeInternational

DAB • Dabolim Airport • Main Terminal

Dehradun

2 lounges • 2 domestic • 0 international

2
Bird LoungeDomestic

DEH • Dehradun Airport • Terminal 1

Carnations LoungeDomestic

DEH • Dehradun Airport • Terminal 1

Dibrugarh

1 lounges • 1 domestic • 0 international

1
Saptagiri RestaurantDomestic

DIB • Dibrugarh Mohanbari Airport • Terminal 1

Durgapur

1 lounges • 1 domestic • 0 international

1
FlurysDomestic

DUR • Durgapur Airport • Main Terminal

Goa

2 lounges • 1 domestic • 1 international

2
Encalm LoungeDomestic

GOA • Goa Airport • Terminal 1

Encalm LoungeInternational

GOA • Goa Airport • Terminal 1

Guwahati

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

GUW • Guwahati Airport • Terminal 1

Hyderabad

3 lounges • 2 domestic • 1 international

3
Encalm LoungeInternational

HYD • Hyderabad Airport • Terminal 1

Encalm LoungeDomestic

HYD • Hyderabad Airport • Terminal 1

Prive LoungeDomestic

HYD • Hyderabad Airport • Terminal 1

Indore

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

IND • Indore Airport • Terminal 1

Jaipur

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

JAI • Jaipur Airport • Terminal 2

Jammu

1 lounges • 1 domestic • 0 international

1
Paahun The Executive LoungeDomestic

JAM • Jammu Airport • Terminal 1

Kannur

2 lounges • 1 domestic • 1 international

2
Pearl LoungeInternational

KAN • Kannur Airport • Main Terminal

Pearl LoungeDomestic

KAN • Kannur Airport • Main Terminal

Kochi

3 lounges • 1 domestic • 2 international

3
Earth Business LoungeInternational

KOC • Kochi Airport • Terminal 3

Earth LoungeDomestic

KOC • Kochi Airport • Terminal 1

Earth LoungeInternational

KOC • Kochi Airport • Terminal 3

Kolkata

2 lounges • 1 domestic • 1 international

2
Travel Club LoungeInternational

KOL • Kolkata Airport • Terminal 2

Travel Club LoungeDomestic

KOL • Kolkata Airport • Terminal 2

Lucknow

2 lounges • 1 domestic • 1 international

2
Adani LoungeDomestic

LUC • Lucknow Airport • Terminal 3

BudweiserInternational

LUC • Lucknow Airport • Terminal 3

Madurai

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

MAD • Madurai Airport • Terminal 1

Mumbai

6 lounges • 4 domestic • 2 international

6
Adani East LoungeInternational

MUM • Mumbai Airport • Terminal 2

Adani LoungeDomestic

MUM • Mumbai Airport • Terminal 1B

Adani LoungeDomestic

MUM • Mumbai Airport • Terminal 2

Adani Silver LoungeInternational

MUM • Mumbai Airport • Terminal 2

Good Times BarDomestic

MUM • Mumbai Airport • Terminal 1B

Travel Club LoungeDomestic

MUM • Mumbai Airport • Terminal 1c

Nagpur

2 lounges • 2 domestic • 0 international

2
Mandarin LoungeDomestic

NAG • Dr. Babasaheb Ambedkar International Airport • Terminal 1

The Airr Lounge And BarDomestic

NAG • Dr. Babasaheb Ambedkar International Airport • Main Terminal

Navi Mumbai

1 lounges • 1 domestic • 0 international

1
Adani Silver LoungeDomestic

NAV • Navi Mumbai International Airport • Terminal 1

New Delhi

5 lounges • 4 domestic • 1 international

5
Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 1

Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 2

Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 3

Encalm LoungeInternational

NEW • New Delhi Airport • Terminal 3

Prive LoungeDomestic

NEW • New Delhi Airport • Terminal 1

Pune

3 lounges • 1 domestic • 2 international

3
Earth LoungeInternational

PUN • Pune Airport • Terminal 1

Elysian LoungeInternational

PUN • Pune Airport • Main Terminal

Elysian LoungeDomestic

PUN • Pune Airport • Main Terminal

Raipur

1 lounges • 1 domestic • 0 international

1
Airr LoungeDomestic

RAI • Raipur Airport • Terminal 1

Ranchi

1 lounges • 1 domestic • 0 international

1
Airr LoungeDomestic

RAN • Food Hangar, Security Hold Area, 1st Floor, Domestic Departure, Birsa Munda Airport • Main Terminal

Siliguri

1 lounges • 1 domestic • 0 international

1
Take Off Bar And LoungeDomestic

SIL • Bagdogra Airport • Main Terminal

Srinagar

1 lounges • 1 domestic • 0 international

1
Paahun The Executive LoungeDomestic

SRI • Srinagar Airport • Terminal 1

Vadodara

1 lounges • 1 domestic • 0 international

1
Premium LoungeDomestic

VAD • Vadodara Airport • Main Terminal

Varanasi

1 lounges • 1 domestic • 0 international

1
Take Off BarDomestic

VAR • Varanasi Airport • Main Terminal

Visakhapatnam

1 lounges • 1 domestic • 0 international

1
Air LoungeDomestic

VI1 • Visakhapatnam Airport • Main Terminal

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Premium domestic and international lounge access positioning
  • Concierge and lifestyle privilege bundle
  • Travel-friendly reward and redemption structure

Things to Consider

  • High fee if waiver threshold is not met
  • Reward value depends on redemption path
  • Premium card eligibility can require stronger profile

About ICICI Bank Emeralde Credit Card

ICICI Bank Emeralde Credit Card is a points card from ICICI, best for premium users who want icici flagship-level benefits. It is tagged under premium, travel, international, rewards, lifestyle categories in our database.

PremiumTravelInternationalRewardsLifestyle

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Frequently asked questions

Is ICICI Bank Emeralde Credit Card lifetime free?

It has an annual fee of ₹12000. Waived on INR 15L annual spends

What rewards does ICICI Bank Emeralde Credit Card offer?

ICICI premium flagship tier with broad lounge and lifestyle privileges.

Does ICICI Bank Emeralde Credit Card include lounge access?

ICICI Bank Emeralde Credit Card lists 75 lounge visits (55 domestic, 20 international).

Who should consider ICICI Bank Emeralde Credit Card?

Premium users who want ICICI flagship-level benefits

Where can I apply for ICICI Bank Emeralde Credit Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.