Emirates Skywards ICICI Bank Emeralde
ICICI Bank · Checked 2026-10-09
Emirates Skywards ICICI Bank Emeralde is a premium card built around travel benefits, flights and airport lounge access, with a ₹10,000 annual fee before GST.
CardIQ editorial view
Our take
Emirates Skywards ICICI Bank Emeralde is a premium card built around travel benefits, flights and airport lounge access, with a ₹10,000 annual fee before GST.
Who it suits
- People who prioritise travel benefits.
- People who prioritise flights.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 2 Skywards miles per ₹100 on eligible domestic and international purchases.
Trade-offs to understand
- 10,000 welcome miles and Silver-tier membership under the joining conditions.
- The ₹10,000 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
Shortlist it only if you can repeatedly use the premium benefits and comfortably recover the fee. Pay particular attention to this condition: 10,000 welcome miles and Silver-tier membership under the joining conditions.
Compare before deciding
- KrisFlyer SBI Card Apex — A lower-fee way to compare similar strengths in reward points and flights.
- Axis Bank MAGNUS — A higher-fee option to compare for broader benefits around airport lounge access and reward points.
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Benefits, limits and conditions
- 10,000 welcome miles and Silver-tier membership under the joining conditions.
- Gold-tier upgrade requires ₹15 lakh annual spend including ₹50,000 on Emirates, plus renewal-fee payment.
- Airline miles have variable redemption value.