Emeralde
ICICI Bank · Credit card

Emeralde

A credit card from ICICI Bank. Facts below come from the issuer's own documents. Network: Visa or Mastercard or RuPay or American Express.

Emeralde card artwork
Annual fee
₹10,000
Fee waiver
Spend ₹10,00,000 a year
Rewards
  • Domestic Spend Earn Points on every ₹100 spend
  • International Spend Earn Points on every ₹100 spend
  • Utility and Insurance Spend Earn Points on every ₹100 spend

Benefits & rewards

Issuer information
Rewards
  • Domestic Spend Earn Points on every ₹100 spend
  • International Spend Earn Points on every ₹100 spend
  • Utility and Insurance Spend Earn Points on every ₹100 spend
Reward cap
Utility Spend ₹80,000 — Insurance Spend ₹80,000 — Grocery and Departmental Spend ₹40,000
Lounge access
Included
Does not earn on
Cash, rent, e-wallet, fuel.
Read the issuer's benefit terms ↗

Fees, eligibility & repayment

Issuer information
Annual fee
₹10,000
Joining fee
₹10,000
Fee waiver
Spend ₹10,00,000 in a year
Foreign purchases
2% markup on international spends
Eligibility
Salaried or self-employed · Income not disclosed
Repayment
Pay the full statement balance to avoid interest; interest and late fees follow the issuer's schedule of charges.

What changed

Issuer information

Differences found when this card's published terms were re-verified against ICICI Bank's own pages. Only independently approved changes appear here.

  1. Annual fee
    Changed
    ₹12,000₹10,000

    Annual fee changed from ₹12,000 to ₹10,000

    Verified 19 Sep 2026 · previous value recorded 6 Aug 2026 · issuer page
  2. Eligibility
    Changed
    salaried {'monthly_income_min_inr': 150000}; age {'max': 65}An Indian citizen over 21 years of age; A salaried employee with a monthly income of at least ₹2,50,000; Self-employed with an annual income of at least ₹30,00,000; An Indian citizen over 21 years of age; A salaried employee with a monthly income of at least ₹2,50,000; Self-employed with an annual income of at least ₹30,00,000

    Eligibility changed from salaried {'monthly_income_min_inr': 150000}; age {'max': 65} to An Indian citizen over 21 years of age; A salaried employee with a monthly income of at least ₹2,50,000; Self-employed with an annual income of at least ₹30,00,000; An Indian citizen over 21 years of age; A salaried employee with a monthly income of at least ₹2,50,000; Self-employed with an annual income of at least ₹30,00,000

    Verified 19 Sep 2026 · previous value recorded 6 Aug 2026 · issuer page
  3. Joining fee
    Changed
    ₹12,000₹10,000

    Joining fee changed from ₹12,000 to ₹10,000

    Verified 19 Sep 2026 · previous value recorded 6 Aug 2026 · issuer page
  4. Reward cap
    Changed
    80,000 utility per statement cycle; 80,000 insurance per statement cycle; 40,000 grocery per statement cycle; 20,000 transportation per statement cycleUtility Spend ₹80,000; Insurance Spend ₹80,000; Grocery and Departmental Spend ₹40,000

    Reward cap changed from 80,000 utility per statement cycle; 80,000 insurance per statement cycle; 40,000 grocery per statement cycle; 20,000 transportation per statement cycle to Utility Spend ₹80,000; Insurance Spend ₹80,000; Grocery and Departmental Spend ₹40,000

    Verified 19 Sep 2026 · previous value recorded 13 Aug 2026 · issuer page

Cardholder experience

Experience notes

No admissible cardholder observations are on file for this card yet. Nothing is invented to fill the gap.

Offers on this card

No verified offer currently names this exact card. Offers from the same bank for other cards are not assumed to apply.