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
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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
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