Emirates Skywards ICICI Bank Emeralde Credit Card
Travel
Co-branded
Reward Points
1st Year Fee: ₹10,000* Plus Applicable Taxes
Rewards
Up to 2.5% rewards on all spends
Lounge Access
Unlimited visits worldwide
Travel
Emirates Silver Tier Membership
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About Emirates Skywards ICICI Bank Emeralde Credit Card
Emirates Skywards ICICI Bank Emeralde Credit Card is the premium variant of the co-branded Emirates Skywards ICICI Credit Cards. This credit card is designed for frequent Emirates flyers, offering up to 2.5% reward earning rate through Skywards Miles. Users can redeem these miles for travel bookings and flight upgrades through Emirates.
Beyond rewards, the card also offers benefits on card activation and renewal. Upon activation, users receive a complimentary Emirates Silver Tier membership. However, on spending Rs. 15 Lakh in a year, they can upgrade to Gold Tier membership, which offers higher-tier benefits. Similarly, upon card renewal, the Silver Tier membership will be automatically renewed.
For frequent travellers, the card offers unlimited domestic as well as international lounge access. While it is primarily designed for travel benefits, it also offers benefits across other categories, such as a Buy 1 Get 1 offer on BookMyShow and dining discount, enhancing its overall value.
If you are a frequent traveller and prefer flying with Emirates, this credit card can help you save significantly on your travel expenses. However, despite being a premium travel card, it charges a high forex markup fee of 3.5%, which might be disappointing for frequent international travellers.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit ICICI Bank’s website.
Rewards & Travel Benefits
Rewards Program
- 2.5 Skywards Miles on every Rs. 100 spent1
- 1 Skywards Mile on every Rs. 100 spent on insurance & utility
Cardholders can redeem the accumulated Skywards Miles against award flights, flight upgrades and more through the Emirates website.
Lounge Access Benefits
- Unlimited complimentary domestic lounge visits
- Unlimited complimentary international lounge and spa visits at select airports in India via Dreamfolks Pass
Other Features & Benefits
Joining Benefits
- Complimentary Emirates Silver Tier Membership
- 10,000 Skywards Miles on the payment of joining fee
Annual Benefits
- Renewal of Silver Tier Membership on the payment of annual fee
- Upgrade to Gold Tier Membership on spending Rs. 15 Lakh in a year2
- 10,000 Skywards Miles on the payment of annual fee
Fees and Charges
| Fee Type | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 10,000 | ||||||||||||||||||
| Annual Fee | Rs. 10,000 | ||||||||||||||||||
| Finance Charges | 3.75% p.m. (45.% p.a.) | ||||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if
You are a frequent Emirates flyer and want to earn Skywards Miles on your spends
You are comfortable with reward redemption being limited to Emirates
You can easily spend Rs. 15 Lakh in a year to maximize benefits by upgrading to Gold Tier
You prefer unlimited domestic & international lounge access as travel benefits
Eligibility Criteria
Age: 21 to 60 years
Occupation: Salaried or Self-employed
Income Requirement: Communicated at the time of sourcing
Paisabazaar Review
What do we like about this card?
Emirates Skywards ICICI Bank Emeralde Credit Card is a decent option for frequent travellers who prefer flying with Emirates. Cardholders can earn up to 2.5% Skywards Miles across all spends and redeem them for bookings via Emirates, helping them save on travel expenses. The card also comes with a complimentary Silver Tier membership, with the option to upgrade to Gold Tier on annual spends of Rs. 15 Lakh, making it ideal for high spenders looking to avail premium travel benefits. Additionally, unlimited lounge access further enhances its overall value for frequent travellers.
Pros
- Complimentary Skywards Miles Membership (Silver Tier, with an option to upgrade to Gold Tier)
- Up to 2.5% reward earning rate across all spends
- Redeem Skywards Miles for flight upgrades & award flights
- Unlimited domestic & international lounge access
- Discounts on movie ticket bookings via BookMyShow
Cons
- High forex markup fee of 3.5%
- Low reward rate on utility & insurance spends
- High annual fee of Rs. 10,000
- No option for an annual fee waiver
Conclusion
If you are an Emirates loyalist Emirates Skywards ICICI Emeralde Credit Card might be the right fit for you. With the potential to earn up to 2.5% Skywards Miles on your purchases, you can easily redeem these miles for future bookings and flight upgrades with Emirates. Additionally, you’ll earn a base reward rate on utility and insurance spends—categories that are often overlooked. However, as a travel-focused credit card, it comes with a high forex markup fee of 3.5%, which might impact its overall value for frequent international travellers.
Frequently Asked Questions
Everything you need to know about this credit card
As a premium credit card, Emirates Skywards ICICI Bank Emeralde Credit Card offers unlimited complimentary domestic and international lounge visits along with spa visits at select airports in India via Dreamfolks Pass.
Yes, with this credit card, you can earn up to 20,000 Skywards Miles through welcome and renewal benefits. The card offers 10,000 Skywards Miles on the payment of joining and annual fees. Additionally, the Silver Tier Membership is auto-renewed after the payment of annual fee.
Emirates Skywards ICICI Bank Emeralde Credit Card is designed for Emirates loyalists. If you are a frequent traveller who prefers to fly with Emirates, this card can help you save significantly on travel expenses. You can earn up to 5% rewards on your spends and redeem them for award flights, flight upgrades, and other travel bookings through Emirates.
No, Emirates Skywards ICICI Bank Emeralde Credit Card does not offer an annual fee waiver. However, upon renewal, you will earn 10,000 Skywards Miles along with the renewal of Silver Tier Membership.
Yes, you can save on movie tickets through the Buy 1 Get 1 Free offer on BookMyShow. However, the maximum discount on the second ticket is Rs. 750, and this benefit can be availed up to 4 times a month.
Yes, this credit card offers a base reward rate of 1 Skywards Mile per Rs. 100 spent on insurance and utility payments, allowing you to save on these often-overlooked spending categories.
Footnotes
- Exclusions: Fuel, Cash advance, ATM withdrawal, Expenditure in form of EMI, Balance transfer, PLCC, Fees and other charges.
- Inclusive of Rs. 50,000 on Emirates.
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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