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ICICI Bank

ICICI Emeralde

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Annual Fee

₹12,499

Reward Type

Points

Forex

2%

Lounge

4 dom · 2 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹12,499
Annual Fee₹12,499(waived ≥ ₹25,00,000)
Min Monthly Income₹1,00,000

Rewards

Reward TypePoints
Base Rate1%
Point Value₹0.5/point

Category Multipliers

dining2%travel2%offline2%

Redemption Values

gift vouchers₹0.5/pt
statement credit₹0.25/pt

Travel & Global

Forex Markup2%
Domestic Lounge4 visits/yr
Intl. Lounge2 visits/yr
Lounge NetworkVisa

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⚠️ Last devaluation: January 2025

💡 Fee Waiver Strategy

Spend ₹25,00,000/year to waive fees.

⚖️ Breakeven Analysis

To recover the ₹12,499 annual fee at the base reward rate of 1%, you need to spend ₹12,49,900 annually.

🎯 Pro Tips

  • ▸2X rewards on dining, travel, and shopping categories.
  • ▸4 domestic + 2 international lounge visits per year.
  • ▸Dedicated concierge service for travel bookings.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

-₹4,399

Effective Rate

-0.4%

Ranked #169 of 173 cards#169

₹12,499 annual fee deducted from gross rewards value.

🏷️ Best For

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