ICICI Emeralde Review: Is It Worth It for Travel Rewards in 2026?
Top-tier Travel card with 4× earn on travel and access to 2 transfer partners.
ICICI Emeralde fee structure and eligibility
| Detail | Value |
|---|---|
| Annual fee | ₹12,000 |
| Joining fee | Free |
| Welcome bonus | None |
| Eligibility tier | Super-premium income (₹24L+/year) or existing relationship |
ICICI Emeralde earn rates by spend category
| Category | Earn Rate |
|---|---|
| Travel | 4 points per ₹100 |
| Dining | 4 points per ₹100 |
| Online | 4 points per ₹100 |
| Retail | 4 points per ₹100 |
| Fuel | 0 points per ₹100 |
| Other | 1 points per ₹100 |
Where ICICI Emeralde points transfer
| Program | Transfer Ratio |
|---|---|
| Singapore Airlines KrisFlyer | Check issuer portal for current ratio |
| British Airways Avios (Executive Club) | Check issuer portal for current ratio |
Transfer ratios change periodically. Always verify the current ratio on your ICICI rewards portal before initiating a transfer.
What ICICI Emeralde does well
- Solid earn rate: 4 points per ₹100 on travel spends
- Transfer partners: Singapore Airlines KrisFlyer, British Airways Avios (Executive Club)
- 4× points on all retail spends (excl. fuel, rent, govt)
- iShop portal earn cap 12,000 pts/month
- Annual fee waived on ₹10 lakh annual spend
Where ICICI Emeralde falls short
- High annual fee of ₹12,000 requires significant spend to justify
- Poor fuel earn rate — not suitable as a primary fuel card
- Earn rate is capped — points earning limited per billing cycle
- High income requirement limits accessibility
ICICI Emeralde earns across Singapore Airlines KrisFlyer and British Airways Avios (Executive Club). Pick your destination and see what your points unlock.
ICICI Emeralde frequently asked questions
What is the annual fee for ICICI Emeralde?
ICICI Emeralde has an annual fee of ₹12,000.
What are the best spend categories for ICICI Emeralde?
ICICI Emeralde earns the highest rewards on travel spends at 4 points per ₹100. 4× points on all retail spends (excl. fuel, rent, govt).
Which airline and hotel partners can I transfer ICICI Emeralde points to?
ICICI Emeralde points transfer to: Singapore Airlines KrisFlyer, British Airways Avios (Executive Club). Transfer ratios vary by partner — check your issuer's portal for current rates.
Who should get the ICICI Emeralde card?
ICICI Emeralde is best suited for travel and all-round spenders. Super-premium income (₹24L+/year) or existing relationship.