# ICICI Emeralde

ICICI Bank · Visa. ₹12,000 fee · 4 RP/₹100 retail.

verified · checked 11 July 2026 · Source: https://www.icicibank.com/revamp/personal-banking/cards/credit-card/emeralde-credit-card

## How it earns (2)

- 4 RP/₹100 retail · ✓ official · checked 11 July 2026
- 1 RP/₹100 utility and insurance · ✓ official · checked 11 July 2026

## On gift vouchers

- ₹400 back on a ₹10,000 voucher bought direct. · Counted as points for travel; ₹100 if they are cashed out. · 4 RP/₹100 retail
- Vouchers for Bharat Petroleum (BPCL), Google Pay (GPay), Gyftr, NoBroker Pay (rent) and 7 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (3)

- Likely no RP on wallet loads (ICICI's usual exclusion)
- No RP on fuel · likely none on rent, tax, govt, wallet (ICICI's usual exclusions from 15 Jan 2026)
- No rewards on cash, rent, wallet loads or fuel

## Lounges (2)

- Unlimited domestic visits for the primary cardholder, no spend condition. Show the Emeralde card. · Domestic (card-based) · domestic · unlimited · checked 20 October 2026
- Unlimited international visits through Priority Pass for the primary cardholder. · Priority Pass (international) · international · unlimited · checked 20 October 2026

## Statuses it opens (1)

- GHA Discovery GHA Discovery Titanium · enrolment needed · ✓ official · checked 19 July 2026

## Fees

- Annual fee: ₹12,000 + GST
  Waived at ₹10,00,000 spend per year
- Forex markup: Not published
- DCC markup: 2%
- Earns: ICICI Reward Points · ₹1 a point at baseline

## Dated changes (1)

- Improvement · 19 February 2024: Visa Infinite cards now fast-track to GHA DISCOVERY Titanium (to 31 Dec 2026) (https://getbrief.cards/changes#gha-visa-fasttrack-2026)

Every change, dated: https://getbrief.cards/changes

---

Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/icici-emeralde