ICICI Emirates Skywards Emeralde Credit Card
ICICI Bank
Last updated: Feb 03, 2026
₹12,000
₹12,000
2%
10 visits/yr
Contents
A premium co-branded travel card built for frequent Emirates flyers. It rewards travel and dining with Skywards Miles, includes complimentary Emirates Skywards benefits and lounge access, and targets travellers seeking premium travel perks and milestone rewards. Low acceptance restrictions and multiple travel-centric protections make it ideal for high-spend travel customers.
Features of ICICI Emirates Skywards Emeralde Credit Card which makes it unique
Skywards Integration
Direct earn of Skywards Miles on eligible spends
Seamless miles accumulation for Emirates travel
Better for frequent Emirates flyers
Premium Travel Protections
Travel insurance and concierge services
Peace of mind on trips
Competitive versus other co-branded travel cards
Rewards Structure of ICICI Emirates Skywards Emeralde Credit Card
Milestones of ICICI Emirates Skywards Emeralde Credit Card
Tier Upgrade Milestone
₹5,00,000 : Upgrade consideration for Skywards Gold status benefits
Annual Spend Milestone
₹10,00,000 : Bonus Skywards Miles as per issuer slab
Fees & Charges of ICICI Emirates Skywards Emeralde Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹12,000 |
| Annual Fee | ₹12,000 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 3.75% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 4% |
Renewal Conditions:Waived on specified high annual spend as per issuer terms
Fee Explanation Standard issuer fees apply; refer to ICICI Bank terms for exact slabs and GST.
Detailed Explanation of ICICI Emirates Skywards Emeralde Credit Card Fees
Joining Fee: ₹12,000 + GST (one-time)
Payable at card issuance; some variants may have promotional waivers
Annual Fee: ₹12,000 + GST (yearly)
Waived subject to issuer's high annual spend criteria
Forex Markup: 2.0% (transaction)
Applies on foreign currency transactions
Cash Advance / ATM: 3.75% (transaction)
Per-transaction min/terms as per issuer
Lounge Access Benefits with ICICI Emirates Skywards Emeralde Credit Card
domestic Lounges
silverVisits per year: 6
Guest access: Yes
As per issuer's lounge programme
international Lounges
silverVisits per year: 4
Guest access: Yes
Priority Pass or Visa lounge access as per card variant
Insurance Coverage with ICICI Emirates Skywards Emeralde Credit Card
Travel Insurance
Up to ₹10,00,000Valid on international travel booked with the card
Purchase Protection
Up to ₹50,000Within specified days of purchase; T&Cs apply
Additional Features of ICICI Emirates Skywards Emeralde Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Add-on cards available subject to issuer policy
Up to issuer-specified number
Welcome Bonus with ICICI Emirates Skywards Emeralde Credit Card
Welcome Bonus: 10,000 Skywards Miles
Bonus Conditions: Bonus awarded on payment of joining fee and first eligible spend; other T&Cs apply.
Application Process for ICICI Emirates Skywards Emeralde Credit Card
Processing Time
7-15 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via ICICI Bank or Finanjo portal
Upload KYC & income documents
Verification by issuer
Card dispatched per issuer timelines
Required Documents for ICICI Emirates Skywards Emeralde Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
ICICI Emirates Skywards Emeralde Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Visa is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for ICICI Emirates Skywards Emeralde Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
720+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹50,000
Minimum annual income
Self-Employed Applicants
₹75,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must provide valid PAN and Aadhaar and meet issuer KYC criteria.
How Approval Is Decided
- Minimum income as specified
- Indian resident
- Suitable credit history
Pros of ICICI Emirates Skywards Emeralde Credit Card
- High travel-focused earning rates
- Emirates Skywards benefits and lounges
- Meaningful milestone and tier incentives
Cons of ICICI Emirates Skywards Emeralde Credit Card
- High joining and annual fee
- Best value mainly for frequent Emirates travellers
Frequently Asked Questions about ICICI Emirates Skywards Emeralde Credit Card
Is there a joining fee?
Yes. The joining fee is ₹12,000 + GST; promotional offers may vary.
How many Skywards Miles do I earn?
Earn up to 2.5 Skywards Miles per ₹100 on eligible travel spends; base earn on other spends may differ.
Are airport lounges included?
Yes. Domestic and international lounge access is included subject to the card variant and issuer terms.
What is the foreign currency markup?
A forex markup of 2% is applicable on foreign currency transactions.
How can the annual fee be waived?
Annual fee waiver is available on meeting the issuer’s specified high-spend criteria.
What documents are required to apply?
PAN, Aadhaar, proof of income (salaried: payslips; self-employed: business proof) and address proof.
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