Emirates Skywards ICICI Bank Emeralde Credit Card Review

The emirates skywards icici bank emeralde credit card is the most premium among the newly launched ICICI Emirates credit card lineup. While this card comes with a whopping Rs.10,000 annual fee, it lets you earn valuable Skyward points, travel comfortably with unlimited free lounge access, and enjoy watching movies at premium theaters with attractive discounts on booking values. More about the Emirates icici bank credit card benefits are discussed below.

What are the emirates skywards ICICI bank emeralde credit card eligibility criteria?

  • Resident Type: Indian
  • For salaried person:
    • Age: 21 to 60 years. 
    • Income: The average income of the applicant should be Rs.3 lakh monthly. 
  • For self-employed person:
    • Age: 21 to 65 years. 
    • Income: The average annual income tax return of the applicant should be Rs.30 lakh or more.
  • A long relationship with the bank will help you to get this emirates airline credit card more easily.
  • An excellent credit score is mandatory to apply for this ICICI emirates visa credit card.

As you submit your icici bank credit card application, you will get a unique application id that can be used to track icici credit card application status

What documents are required to apply for the ICICI emirates skyward credit card

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account statement.
    • Aadhar Card.
    • Driving License.
    • Passport.
    • Utility bills.
  • Photocopy of ID Proof (any 1).
    • Aadhar card.
    • Voter Card.
    • Passport.
    • PAN Card.
  • Two recent passport-sized photographs.
  • Proof of income statement:
    • Salaried Person (any 1)
      •  Salary Slip of last 3 months.
      • ITR.
    • Self-employed person.
      • Income tax return of the last year.
      • Proof of business.

Because of the new RBI regulation, all new ICICI emirates co branded credit cards are now delivered in an inactive state. To activate them the user needs to generate a new credit card PIN. You can find more about the icici bank credit card pin generation process from the 100xGain faq page.

What are the emirates skywards icici bank emeralde credit card fees?

  • ICICI emirates emeralde credit card joining fee: Rs. 10,000 + GST
  • Emirates icici bank credit card annual fee: Rs. 10,000 + GST

What are the ICICI Emeralde emirates skywards credit card benefits?

  • A huge joining bonus to welcome you:

As you sign up for this ICICI emirates credit card, you will get 10,000 skyward miles and a complimentary emirates skywards silver tier membership. The bonus points will be credited to your account with the realization of the first-year joining fee. The emirates skywards silver tier membership will be renewed every year with the payment of annual fees. 

  • Get rewarded for every transaction:

This ICICI emirates co-branded credit card comes with a Skyward reward scheme that allows you to earn travel points with every transaction. The details are given in the table below.

Category of transaction

Rate of earning icici bank credit card reward points 

Insurance and utility bill payments              1 Skyward point for every Rs.100 transaction. 
All other transactions.*  2.5 skyward points for every Rs.100 transaction.

*You will not get any emirates skywards miles for cash withdrawal, EMI conversion, PLCC, balance transfer, annual fees, and other charges. You can check the status of your earned points from your icici netbanking account.

  • Enjoy free access to airport lounges:

Under the complimentary Dream Folks membership, this emirates airlines credit card offers unlimited free access to domestic and international airport lounges. You can also enjoy unlimited free Spa access at some of the selected domestic airport lounges. Click here to find the complete ICICI emirates credit card lounge access list.

  • Experience exclusive deals on movie tickets: 

If you use this card to book a movie ticket from BookMyShow, you will get Rs.750 off on the second ticket. You can get this emirates credit card offer 4 times a month.

  • Enjoy a premium dining experience:

This emirates airlines credit card offers a complimentary Culinary treat membership that offers you unparalleled benefits on dining expenses. Click here to find out more about the current dining offers. 

  • Enjoy freedom from fuel surcharges:

Every time you use this ICICI emirates co-branded credit card to purchase fuel from any fuel station in India, you can get a 1% waiver on fuel surcharges. The amount of waiver you can earn in an icici bank credit card statement cycle depends on your credit card usage. 

  • Earn attractive benefits from milestone expenses:

On spending Rs.15 lakh (of which Rs.50,000 should be on Emirates airlines) within an anniversary year, you can get a complimentary up-gradation to the emirates skywards gold tier membership.

  • Make life easier with convenient bill payment options:

You can make your icici credit card payment online from your icici bank credit card net banking account or from your ICICI credit card mobile app. You can also use any credit card payment app like Cred, Google Pay, Paytm, Phone Pe, etc. The payment of icici credit card bill can also be done offline, more about which is discussed on our ICICI faq page.

  •  Get titanium security with the advanced EMV chip:

This ICICI emirates signature credit card is armed with an advanced EMV chip. These chips use a very strong encryption method to store your data which makes your card nearly impossible to clone.

  • Enjoy the convenience of contactless payment technology:

This emirates skywards elite credit card is equipped with an advanced contactless payment facility that allows you to make payments just by placing your card over any POS machine that accepts contactless payments. You can control the contactless emirates credit card payment option from your icici bank credit card net banking account

What are the Emirates icici bank emeralde credit card charges?


Payable amount

ICICI bank credit card cash withdrawal charges 2.50% against the transaction amount, min Rs.500 (Check your available icici bank credit card limit before making a withdrawal)
Finance charge The icici bank credit card interest rate can go up to 3.40% monthly or 40.80% annually (Applicable if the outstanding balance is not cleared within the icici bank credit card due date).
ICICI bank credit card charges on cross-currency conversion 3.50% against the transaction amount.
ICICI bank add on credit card fee. Rs. 250 per year. 

How to contact the icici bank credit card customer care department?

  • Call the icici bank credit card customer care number: 1860-120-7777 or 022-3366-7777 or +91-40-7140-3333
  • Write to the icici bank credit card customer care email id: headservicequality@icicibank.com 

100xGain Ratings: 


Pros and Cons of the ICICI Emeralde emirates skywards credit card:



  • This Emirates credit card offers travel points on every card swipe.
  • This card offers unlimited free access to domestic and international lounges.
  • You can also get some exclusive deals on movie and dining expenses.
  • This Etihad icici bank signature credit card does not have any travel booking benefits.
  • The annual fee seems a bit high.

If you don’t want to continue with your old ICICI credit card account and are thinking about how to close icici bank credit card account permanently? then make sure to take a look at our faq page.

Final Opinion:

If you fly regularly with Emirates airlines and are looking for a credit card that can offer you some savings out of your travel expenses, then this card would be a decent choice for you. This ICICI emirates airlines credit card offers Skyward miles that can later be used for travel booking, free lounge access, attractive deals on movie and dining, and lots more. 

But this icici bank premium credit card really lags in the shopping and travel booking department. So, if you are looking for a travel credit card that can offer you those benefits then feel free to take a look at our top travel credit card page.

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