ICICI Emeralde
ICICI Bank · Amex/Visa
ICICI Emeralde is a super-premium card with unlimited lounge access, golf, and concierge.
Annual Fee
₹12,000
Base Reward Rate
6X
Point Value
₹0.5/pt
Min CIBIL
750
Lounge Access
Domestic
Unlimited
International
4/year
Reward Rates by Category
Dining
6X
Travel
6X
Shopping
6X
Online
6X
Grocery
6X
Fuel
1X
Utilities
1X
Other
6X
Pros
- Unlimited domestic lounge access
- 4 international lounge visits/quarter
- Golf game on landmark spends
- Air accident insurance ₹3Cr
- Complimentary movie tickets (2/month)
Cons
- Very high annual fee
- High income requirement
- Amex version has acceptance issues
Redemption Options
Flight tickets
Good Value₹0.5/pt
ICICI vouchers
Standard₹0.4/pt
Ready to Apply?
Apply directly on the ICICI Bank website. Takes about 10 minutes.
