Emirates Skywards ICICI Bank Emeralde Credit Card

The Emirates Skywards ICICI Bank Emeralde Credit Card is a premium co-branded travel credit card designed for frequent flyers and international travelers who are part of the Emirates Skywards loyalty programme. It focuses on delivering elevated travel perks, including Skywards Miles on everyday and travel spending, tier benefits within the Emirates loyalty system, and extensive lounge access worldwide. This card is ideal for cardholders seeking luxury rewards, accelerated miles accumulation, and airport experiences that enhance global travel comfort. Benefits also include access to international airport lounges, spa sessions and potential tier upgrades with Emirates Skywards.

Emirates Skywards ICICI Bank Emeralde Credit Card

Joining Fees	₹10,000 + GST
Annual Fees	₹10,000 + GST
Card Type	Travel, Rewards
Network Type	Rupay

Rewards & Benifits

Earn up to 2.5 Skywards Miles per ₹100 spent on eligible retail purchases
Earn 1 Skywards Mile per ₹100 on insurance and utility transactions
10,000 bonus Skywards Miles on payment of joining and annual fee
Complimentary Emirates Skywards Silver tier membership while card is active
Unlimited complimentary international airport lounge access
Unlimited complimentary airport spa access at select locations

Fees & Charges

Joining Fee: ₹10,000 + GST
Annual Fee: ₹10,000 + GST
Interest rate and finance charges: Not specified on the official page
Late payment charges: Not specified on the official page
ATM cash withdrawal charges: Not specified on the official page

Card Details

Co-branded premium credit card with Emirates Skywards
Skywards Miles credited directly to registered Emirates Skywards account
Unlimited global lounge access through approved lounge programs
Milestone spends may help upgrade to Emirates Skywards Gold tier
Supplementary card spends earn Skywards Miles for primary cardholder

Pros & Cons

High Skywards Miles earning rate
Unlimited international lounge access
Complimentary Emirates Skywards Silver tier
Bonus miles on annual fee payment

High joining and annual fees
Best value only for frequent flyers
Many charges not clearly detailed on official page

ELIGIBILITY CRITERIA
• Indian resident above 21 years of age (implied from application requirements). ICICI Bank
• Income eligibility and detailed criteria – Not specified on the official page.
• Credit score / other financial requirements – Not specified on the official page.

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WELCOME BENEFITS
• 10,000 bonus Skywards Miles on payment of joining fee
• Complimentary Emirates Skywards Silver tier membership while the card is active (treated as a welcome perk).

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CARD REVIEW
The Emirates Skywards ICICI Bank Emeralde Credit Card is a premium travel-centric offering best suited for frequent international flyers, especially those loyal to Emirates and its Skywards programme. With compelling rewards in the form of up to 2.5 Skywards Miles per ₹100 spent and significant lounge and spa privileges, the card enhances travel comfort and loyalty benefits. The inclusion of bonus Skywards Miles on the annual fee and complimentary Silver tier status adds to its appeal. However, the high joining and annual fees mean that casual spenders may not see optimal value unless they regularly utilise lounge access and maximise miles earning on travel and everyday spends. Some detailed fees (like ATM charges) aren’t fully outlined on the official page, making a full cost assessment harder

Platform

Platform Overview

Skara Financial Services

Personal Loan

Home Loan

Business Loan

Vehicle Loan

Emirates Skywards ICICI Bank Emeralde Credit Card