ICICI Emeralde credit card

ICICI Emeralde

ICICI Bank · Amex/Visa

ICICI Emeralde is ICICI Bank is ultra-premium credit card with unlimited lounge access, 6X reward points on Tata brands, and comprehensive travel insurance. Targeted at top-tier ICICI banking customers, it requires Rs.30L+ income or an invitation. The Rs.12,000 annual fee is waived at Rs.15 Lakh spend.

Annual Fee

₹12,000

Joining Fee

₹12,000

Base Reward Rate

6X

₹0.5/pt

Min CIBIL

750

₹20L+ income

Key Features

Unlimited lounge access — domestic and international
6X reward points on all Tata brand purchases
3X on all other spends
Annual fee waived at Rs.15 Lakh spend
Air accident cover Rs.3 Crore
Overseas medical cover Rs.50 Lakh
Complimentary Club Marriott membership
Dedicated concierge service

Welcome Benefits

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Complimentary Club Marriott Membership

Receive a one-year Club Marriott membership on card issuance — includes 20% dining discount across Marriott Asia-Pacific properties.

✓

Welcome Bonus Points

Earn bonus reward points on first spend within 90 days of card activation.

Reward Rates by Category

Dining

6X

Travel

6X

Online

6X

Shopping

6X

Grocery

6X

Fuel

1X

Utilities

1X

Other

6X

Partner Earn Rates

PartnerCategoryEarn Rate
Tata Brands (all)Various6X

Milestone Benefits

₹8.0 L

Annual Fee Waiver

Spend ₹8 lakhs in a year to waive the ₹12,000 annual fee for the following membership year

Annual

₹15.0 L

25,000 Bonus PAYBACK Points

Earn 25,000 bonus points on crossing ₹15 lakh annual spend

Annual

Airport Lounge Access

Domestic

Unlimited

International

4 visits/year

Insurance & Protection

Air Accident Cover

Accidental death while travelling by air.

Rs.3 Crore

Emergency Overseas Medical

Medical emergencies while travelling internationally.

Rs.50 Lakh

Trip Cancellation

Cancellation due to covered reasons.

Rs.5 Lakh

Eligibility Criteria

Age

21–65 years

Salaried Income

₹30.0 L+ per year

Self-Employed

₹35.0 L+ ITR

Min CIBIL Score

780+

Primarily for ICICI Private Banking and Wealth Management customers. Rs.30L+ income required. Invitation or relationship manager referral typically required for card access.

Pros

  • Unlimited domestic and international lounge access
  • 6X reward points on Tata brand purchases
  • Complimentary Club Marriott membership
  • Air accident cover Rs.3 Crore + overseas medical Rs.50 Lakh
  • Annual fee waived at Rs.15 Lakh spend
  • Concierge service and dedicated relationship manager
  • Golf access at select courses
  • Priority banking relationship benefits

Cons

  • Rs.12,000 annual fee waiver requires Rs.15 Lakh spend — very high
  • Primarily for ICICI Private Banking customers
  • Tata brand 6X only useful for Tata ecosystem users
  • 3.5% foreign transaction fee
  • Regular earn rate (3X) lower than comparable premium cards

Redemption Options

Flight tickets

Good Value₹0.5/pt

ICICI vouchers

Standard₹0.4/pt

Frequently Asked Questions

Is ICICI Emeralde available for direct application?+
ICICI Emeralde is primarily offered to Private Banking and Wealth Management customers. Some applicants have been approved via direct application with Rs.30L+ income and a strong ICICI banking relationship. Contact your ICICI relationship manager to initiate the process.
What is 6X on Tata brands?+
You earn 6 reward points per Rs.100 spent at any Tata group brand — Tata Cliq, Tanishq, Westside, Croma, Air India (Tata-owned), Starbucks India, and others. Given the breadth of the Tata group, this covers a wide range of everyday spending for those embedded in the Tata ecosystem.
Does ICICI Emeralde give unlimited lounge access?+
Yes — unlimited domestic and international lounge access with no per-visit cap. This covers Priority Pass lounges internationally and ICICI-partner lounges domestically.
How does ICICI Emeralde compare to HDFC Infinia Metal?+
Both are super-premium cards with unlimited lounge access. Infinia Metal has 5X on more consumer-relevant partners (Swiggy, Zomato, Myntra, Apple) and the established HDFC SmartBuy 10X ecosystem. Emeralde has 6X on Tata brands and may be easier to obtain for ICICI Private Banking customers. Choose based on your existing banking relationship.

Ready to apply?

Apply on the ICICI Bank website. Usually takes 10 minutes.

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ICICI Emeralde

₹12,000/yr · 6X rewards