ICICI
★ Premium
ICICI BANK
Mastercard
ICICI Bank Emeralde Credit Card
by ICICI • Mastercard / American Express (dual variant available)
Annual Fee
₹12,000 + GST
Joining Fee
₹12,000 + GST
Best Reward
up to 12%
on iShop Hotels (12X)
PremiumMastercard / American Express (dual variant available)
⭐Reward Structure
| Category | Reward Rate | Type | Cap |
|---|---|---|---|
| iShop Hotels (12X) | up to 12% | points | No cap |
| iShop Flights/Vouchers (6X) | up to 6% | points | No cap |
| Base Spends | up to 1% | points | No cap |
| Utility & Insurance | up to 0.3% | points | No cap |
✈️Travel & Lounge Benefits
✓
Domestic Lounge Access
UNLIMITED — no cap on visits
✓
International Lounge Access
UNLIMITED — no cap on visits
✓Key Benefits
✓Dual variant: Mastercard + American Express (separate benefits on each)
✓No over-limit fee
✓Contactless payments
✓Worldwide acceptance
✓Chip & PIN security
✓Reduced cash withdrawal interest (3.75%/month)
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