ICICI Bank
ICICI Bank Emeralde Credit Card
4.6 / 5mastercard · amex
- Joining fee
- ₹12,000
- Annual fee
- ₹12,000
- Base reward
- 1%
- Min income
- ₹1,50,000/mo
- Forex markup
- 2%
- Interest p.a.
- 45%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Utilities & bills | 0.25% | Uncapped |
| Insurance | 0.25% | Uncapped |
Benefits
- ▸4 ICICI Reward Points per ₹100 on domestic and international retail spends (≈1% value-back)
- ▸1 Reward Point per ₹100 on utilities and insurance
- ▸Up to 4 complimentary golf rounds per month based on spends
- ▸Buy-one-get-one (up to ₹750 off) on BookMyShow movie tickets, up to 4 times/month
- ▸1% fuel surcharge waiver at all fuel stations (₹400–₹4,000)
- ▸Comprehensive travel and personal-accident insurance
- ▸24x7 concierge services
The good
- + Unlimited complimentary domestic and international lounge access
- + Strong travel, golf and lifestyle benefits
- + Reduced 2% foreign currency markup
The catch
- − High ₹12,000 annual fee with a steep ₹10 lakh waiver threshold
- − Base reward value-back of only ~1% is modest for the fee
- − Premium tier effectively superseded by Emeralde Private Metal