ICICI Bank Emeralde
ICICI Bank · Checked 2026-10-09
ICICI Bank Emeralde is a premium card built around travel benefits, airport lounge access and international spending, with a ₹12,000 annual fee before GST.
CardIQ editorial view
Our take
ICICI Bank Emeralde is a premium card built around travel benefits, airport lounge access and international spending, with a ₹12,000 annual fee before GST.
Who it suits
- People who prioritise travel benefits.
- People who prioritise airport lounge access.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 4 points per ₹100 on eligible domestic and international purchases.
- Unlimited lounge access for the primary holder at eligible domestic and overseas lounges.
Trade-offs to understand
- Unlimited lounge access for the primary holder at eligible domestic and overseas lounges.
- 2% foreign-currency markup, plus applicable taxes.
- Reward exclusions and reduced category rates apply.
CardIQ verdict
Shortlist it only if you can repeatedly use the premium benefits and comfortably recover the fee. Pay particular attention to this condition: Unlimited lounge access for the primary holder at eligible domestic and overseas lounges.
Compare before deciding
- ICICI Bank Emeralde Private Metal — A higher-fee option to compare for broader benefits around airport lounge access and reward points.
- RBL Bank World Safari Plus — A lower-fee way to compare similar strengths in airport lounge access and reward points.
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Benefits, limits and conditions
- Unlimited lounge access for the primary holder at eligible domestic and overseas lounges.
- 2% foreign-currency markup, plus applicable taxes.
- Reward exclusions and reduced category rates apply.