Super Premium
ICICI Emeralde
ICICI 7.6
CardTrail Score
Very Good
out of 10
Annual Fee
₹12,000
Spend ₹15L/year
Forex Markup
1.5%
Reward Rate
1.5%
Up to 4%
Lounge Access
Unlimited
domestic | Unlimited intl
About This Card
ICICI's flagship super-premium card. Unlimited worldwide lounge access, 1.5% forex markup, and 4X on dining make it competitive with HDFC Infinia and Diners Club Black. The Dineout Passport inclusion is a nice perk for food enthusiasts. Falls slightly short on reward redemption value compared to HDFC.
Pros & Cons
Pros
- Unlimited lounge access globally
- Best forex rate in ICICI portfolio
- Excellent dining rewards (4X)
- Dineout Passport included
Cons
- ₹12K fee, ₹15L waiver is steep
- Reward ecosystem weaker than HDFC
- Invite-only for most applicants
Fee Details
Annual Fee
₹12,000
Joining Fee
₹12,000
Fee Waiver Condition
Spend ₹15L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
1.5%
Max Rate
4%
Currency
Emeralde Reward Points
Welcome Bonus
15,000 Reward Points + Dineout Passport
Lounge Access
Domestic Lounges
Unlimited
International Lounges
Unlimited
Key Highlights
- + Unlimited lounges worldwide
- + 1.5% forex markup
- + 4X on dining
- + Dineout Passport membership
Compare With...
See how ICICI Emeralde stacks up against top alternatives
Want the Full Picture?
Compare the ICICI Emeralde side-by-side with any card in our database. Use our comparison tool to see which card truly fits your spending pattern.
CardTrail is an independent research platform. Our ratings are not influenced by commercial relationships.
Quick Summary
Best For
luxury dining
Annual Fee ₹12,000
Base Reward 1.5%
Max Reward 4%
Forex Markup 1.5%
Network Visa Infinite
Min Income ₹24L+
CardTrail Score
Best For
luxury dining high spender
