ICICI
Emeralde
Super-premium card · strong domestic lounge · international details not available · fee waiver achievable around ₹10L annual spend · 2% forex markup.
Strong for lounge access (unlimited) · Weak for high forex (2%) and high annual fee (₹12K)
Unlimited domestic lounge
Good for
- Airport lounge users
Not ideal for
- Fee-sensitive users
- International spenders
Spend context
- Estimated monthly rewards: ~₹750/month (base rewards)
- Fee waiver unlikely at this spend
- Forex cost ~₹1,000 per ₹50k international spend
Approximate, based on base rates and current snapshot.
Annual fee
₹12,000
Lounge
Unlimited (domestic)
Domestic lounge available; international details not available.
Forex
2%
Not a low-forex card (2%).
Reward rate
6 pts/₹100
Above median base earn (1.5% vs ~1%).
Verified with issuer
View official source (opens in new tab)Lounge Access
- Domestic visits
- Unlimited
- International visits
- Not included International details not available.
International Use
- Forex markup
- 2%
- Product tier
- Super-premium
Fees
- Annual fee
- ₹12,000
- Joining fee
- ₹12,000
- Fee waiver spend
- ₹10,00,000 Above catalog median waiver (₹3,00,000 vs ₹10,00,000).
Rewards
- Points per ₹100
- 6 pts
- Point value
- ₹0.25
- Effective earn
- 1.5% (at stated point value)
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