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ICICI Bank

ICICI Emeralde Private

MastercardUltra-PremiumPoints
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Annual Fee

₹12,500

Reward Type

Points

Forex

0%

Lounge

∞ dom · ∞ intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹12,500
Annual Fee₹12,500(waived ≥ ₹10,00,000)
Min Monthly Income₹3,00,000

Rewards

Reward TypePoints
Base Rate3%
Point Value₹1/point

Redemption Values

vouchers₹0.25/pt
statement credit₹0.25/pt

Travel & Global

Forex Markup0% - Zero Forex ✓
Domestic LoungeUnlimited ✓
Intl. LoungeUnlimited ✓
Lounge NetworkDreamfolks

India-Specific

Fuel Surcharge✓ 1% waiver

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💡 Fee Waiver Strategy

Spend ₹10L/year to waive ₹12,500 renewal fee. Alternatively, qualifying ICICI Bank Private Banking relationships may get it LTF.

⚖️ Breakeven Analysis

To recover the ₹12,500 annual fee at the base reward rate of 3%, you need to spend ₹4,16,667 annually.

🎯 Pro Tips

  • ▸Zero forex markup is the main selling point.
  • ▸Unlimited lounge & spa access.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹23,500

Effective Rate

2.0%

Ranked #20 of 173 cards⭐ Top 30

₹12,500 annual fee deducted from gross rewards value.

🏷️ Best For

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