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super-premiumpointsICICI Bank · Visa
ICICI Bank Emeralde Credit Card
4 RP per ₹100 base (1 RP = ₹0.25, so ~1% return). Low forex markup. Vistara transfer removed — Vistara merged into Air India (Nov 2024).
what it costs
| joining fee | ₹12,000 |
|---|---|
| annual fee | ₹12,000 |
| how to dodge the fee | Annual fee waived on ₹15,00,000 spend in the preceding anniversary year |
| forex markup | 1.99% + GST |
how you earn
every ₹100 you swipe earns you points in ICICI Bank Reward Points.
| default | 1× / ₹100 |
|---|---|
| international | 1× / ₹100 |
freebies
| welcome gift | ₹5,000 Tata CLiQ Luxury voucher on joining fee payment |
|---|
where your points fly
move points to these airlines & hotels at the ratio shown (lower = better).
- Singapore Airlines KrisFlyer4:1
- Air France-KLM Flying Blue4:1
extras
| domestic lounges | Unlimited (primary + add-on) |
|---|---|
| international lounges | Unlimited via Priority Pass |
| who can apply | Invite-led / income-led — typically ₹50L+ p.a. for salaried |
want it?
all numbers checked against the bank's page on 2026-05-28. apply links may carry an affiliate tag — see our disclosure.