ICICI Bank Emirates Emeralde Credit Card Review

20.06.2025 03:37 PM - Comment(s)

ICICI Bank Emirates Emeralde Credit Card

Financial Expert Advice

Choose Your First (or Next) Credit Card Wisely

"Limit yourself to holding two credit cards A/C—one for daily expenses and auto-debits, and another reserved for emergencies.

Avoid chasing cashback, miles, rewards or Investments, as this can distract from sound financial management;

and lead to unnecessary debt. Focus on stability & discipline."

ICICI Bank Emirates Emeralde Credit Card Review
"Earn Miles, Lounge Like Royalty"

Introduction

The ICICI Bank Emirates Emeralde Credit Card is a premium co-branded travel card designed for frequent Emirates flyers who want to maximize rewards, enjoy elite airline status, and access luxury travel perks. Launched in partnership with Emirates, this card is tailored for those who prefer flying Emirates and seek enhanced travel experiences, both in the air and on the ground, Here’s a detailed review to help you decide if this card is right for you.

Key Features and Benefits

Welcome and Renewal Benefits

get advantage of the Emirates Skywards Silver Tier membership.
10,000 Skywards Miles as a welcome benefit on card activation and as a renewal benefit each year.

Reward Structure

Earn on Every Spend – Get Skywards Miles for every ₹100 spent.
Accelerated Rewards – Earn 2X Miles on both international and domestic transactions.
Seamless Credit – Miles are credited to your Emirates Skywards account at the end of each billing cycle.

Milestone Benefits

Emirates Gold Tier Membership after spend of ₹15 lakh.

Lounge Access

Get Unlimited access to international & domestic airport lounges for the primary Cardholder.

Movie and Dining Benefits

Buy One Get One Free (up to ₹750 off) on movie tickets via BookMyShow, up to 4 times per month.
Exclusive dining offers via the ICICI Bank Culinary Treats Programme.

Fuel Surcharge Waiver

1%
Fuel surcharge
Waiver
on all fuel transactions of up to ₹4000 at any fuel outlet.

Fees and Charges

Annual Fee ₹10,000 + GST, No waiver on the annual fee, but renewal grants 10,000 Skywards Miles and Silver Tier membership renewal.

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Card Essential

Type	Reward Points
Welcome Benefits	get 10,000 Skywards Miles*.
Annual Fee	₹10,000 + GST
Reward Structure	Rewards On SPENDS
Renewal Benefit	10,000 Skywards Miles and Silver Tier membership renewal.

Rewards and Benefits Analysis

The ICICI Bank Emirates Emeralde Credit Card is best suited for frequent Emirates flyers who value elite airline status, unlimited lounge access, and accelerated Skywards Miles. while the Silver and Gold status upgrades provide tangible in-flight and airport benefits. The high forex markup (3.5%) may be a drawback for international travelers who use other airlines.

Practical Considerations

Best for: Frequent Emirates flyers, especially those who travel to Dubai, Europe, or the US.
Annual Fee Waiver: Not available, but renewal gives 10,000 Skywards Miles and Silver Tier renewal.
Reward Redemption: Miles redeemable only with Emirates, limiting flexibility for non-Emirates travelers.
Elite Status: Silver Tier upgrades to Gold with ₹15 lakh annual spend.

Redemption Options

Redeem Skywards Miles for Emirates award flights, upgrades, and travel experiences.
No cashback or statement credit option.

Ideal User Profile

Frequent Emirates flyers who want elite status and lounge access.
Travelers who value priority check-in, extra baggage, and flexible check-in.
High spenders who can maximize the Emirates flight discount and Skywards Miles.
Individuals comfortable with reward redemption limited to Emirates.

Final Thoughts

The ICICI Bank Emirates Emeralde Credit Card is a top-tier travel card for Emirates loyalists. Its combination of elite airline status, unlimited lounge access, accelerated Skywards Miles, and exclusive flight discounts makes it a compelling choice for frequent flyers. While the annual fee is steep and the forex markup is high, the card’s benefits more than compensate for the right user.

Additional Tips for Applicants

Eligibility: Indian citizen aged 21+, earning ₹2.5L/month (salaried) or ₹45L/year (self-employed), with valid KYC documents.
Plan your annual spends to qualify for Gold Tier status.
Maximize rewards by using the card for all eligible purchases.

This review provides a balanced view of the card's strengths and weaknesses, helping readers make informed decisions about whether the ICICI Bank Emirates Emeralde Credit Card aligns with their

travel habits and financial goals.

! Disclaimer - We strive for accuracy, but this content is for informational purposes only. For the latest product details and offers, please check the official site directly.

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