ICICI Emeralde
ICICI · Super Premium · Visa Infinite/Amex
Annual Fee
₹12,000
Fee Waiver
₹15L annual spend
Lounge Access
Unlimited
Best Rate
1%
Network
Visa Infinite/Amex
✅ Data verified March 2026
Reward Rates by Category
🍽️Dining
1%
✈️Travel
1%
🛒Online Shopping
1%
🥦Groceries
1%
🎬Entertainment
1%
🛍️Shopping
1%
💡Utilities
0.5%
⛽Fuel
0%
How Points Work
4 pts/₹100 domestic (1%), 8 pts intl (2%), 2 pts utility (0.5%) · 1pt = ₹0.25
💡
Redemption matters
Domestic 1% at ₹0.25/point. International earns 8pts/₹100 = 2%. Frequent international travelers get significantly higher effective rates.
🚀 Boosted Rates (Partners & SmartBuy)
International spends8 points/₹100 (2%)
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
Unlimited lounge worldwide (Priority Pass)24/7 concierge2% internationalVisa Infinite perks
PROS
✅ Unlimited global lounge
✅ 2% on international
✅ Concierge service
CONS
⚠️ ₹12K + GST fee
⚠️ Only 1% domestic
⚠️ Fee waiver needs ₹15L spend
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