ICICI Bank Emeralde Credit Card

ICICI Bank · Open to apply

ICICI's ₹12,000 lifestyle card: 4 reward points per ₹100 at home and abroad, unlimited lounges and Priority Pass for the primary holder, golf every month, BookMyShow offers and a 2% forex mark-up.

Annual fee
₹12,000 + GST a year
Joining fee
₹12,000 + GST
Fee waiver
Annual fee waived on ₹10,00,000 spend per card year
Base rate
Domestic and international spends, 4 points per ₹100: 4 ICICI Bank Reward Points per ₹100 (about 1% at cash value)
Lounges
International: unlimited visits a calendar year; Domestic: unlimited visits a calendar year
Forex markup
2%
Data
From bank documents, checked 6 Nov 2026

Earns nothing on

  • No points on cash, rent, fuel, e-wallet loads or EMI

Where the sources disagree

  • Annual fee waiver timing: The product page says spend over ₹10 lakh waives the next year's fee; the MITC footnote *** reverses the same year's fee on completion of the anniversary year. We use the MITC.

Terms the calculator does not value

  • ICICI publishes no rupee value per reward point. The calculator uses the third-party ₹0.25, so every points-based number on this card moves with it.
  • The ₹5,000 birthday voucher (Postcard Hotels on Mastercard, Tata CLiQ on Amex) is a yearly benefit the calculator does not count.
  • The grocery and departmental cap group also holds MCC 5331 (variety stores), which has no category of our own here, so it is valued at the base rate without the cap. Local transit and buses in the transport cap have no category of their own.

Sources

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