Emirates Skywards ICICI Bank Emeralde Credit Card
ICICI Bank · Open to apply
ICICI's top Emirates card: 2 Skywards Miles per ₹100, 10,000 miles on joining and on each renewal, Skywards Silver status (Gold at ₹15 lakh a year) and unlimited lounge access. ₹10,000 a year.
- Annual fee
- ₹10,000 + GST a year
- Joining fee
- ₹10,000 + GST
- Base rate
- Eligible retail spends, 2 Skywards Miles per ₹100: 2 Emirates Skywards Miles per ₹100 (about 1.4% at cash value)
- Lounges
- International: unlimited visits a calendar year; Domestic: unlimited visits a calendar year
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No miles on fuel, cash, EMI, insurance, utilities, government, education, rent or wallet loads
Where the sources disagree
- Gold tier: The page's benefit list says "Upgrade to Gold Tier on annual renewal"; the T&C and FAQ make Gold depend on ₹15 lakh of spend in the anniversary year (including ₹50,000 on Emirates) and payment of the next annual fee. We use the T&C.
Terms the calculator does not value
- The page and FAQ may still state the earn rate and lounge terms that applied before the MITC's changes of 2026-01-15; the entered rate follows the T&C and MITC.
- Groceries and department stores, and IRCTC railway spends, earn the base miles rate with no cap of their own: the MITC's capping tables (pp20-22) do not name this card.
Sources
- Emirates Skywards ICICI Bank Emeralde Credit Card product page (Product page, the bank's own, read 6 Nov 2026)
- General MITC for ICICI Bank credit cards (last updated 2026-11-06) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Terms and Conditions governing the features and offers of Emirates Skywards ICICI Bank Emeralde Credit Card (last updated 2025-09-30) (Reward terms, the bank's own, read 6 Nov 2026)