Product Overview
Product summary
Emeralde Standard from ICICI Bank offers premium lifestyle positioning and reward program certified.
Supporting evidence
Verified from: ICICI Bank Credit Card MITC April 2026
Data confidence
100% — High
Data completeness
100/100
Last updated
1 Aug 2026
Founder verified
Yes — Founder Certified
Source of information
Official PDF
Product confidence: High
Intelligence Assessment
Personal Fit · Negotiation · Before You Decide
Personal Fit
NOT ASSESSEDPersonal suitability not assessed yet
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Check Your Personal FitBefore You Decide
CHECKImportant things to verify before applying
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ICICI Bank
Emeralde · Standard
Credit Card
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Evidence & Verification
Verified From
Evidence Status
Verification Date
Last Updated
Founder Certified
Official Source
View official sourceEvery recommendation on RightBank is backed by certified Product Truth from official bank sources — never a black box.
RightBank Verdict
Emeralde Standard from ICICI Bank offers premium lifestyle positioning and reward program certified.
Complete your profile to unlock your personal match score for this account — no registration required to explore.
Check Your Personal FitProduct Quality Scorecard
0.5 pts / ₹100
Annual fee ₹12,000 · Joining fee ₹12,000 · Waived above ₹3,00,000 spend
8 lounge visits/yr · Forex markup 2% · Insurance cover
Premium — CIBIL 750+ · Income ₹25,000/mo
Visa — wide acceptance
Verified by RightBank
Complete your profile for a personal Fit Scorecard across income, balance, usage, lifestyle, eligibility & goal.
Check Your Personal FitWhat You Get
Lounge access
8 visits
Welcome benefits
Vouchers worth ₹5,000 + Amazon Prime membership on activation
Fuel benefits
1% fuel surcharge waiver
Insurance cover
Air accident cover ₹1 Crore | Lost card liability ₹5 Lakh
EMI conversion
EMI conversion available
What It Costs You
Charges
Before You Apply
Eligibility
Age 23-60 years, Income ₹10 Lakh+ p.a.
Annual fee waiver spend
Spend ₹3,00,000 to waive annual fee
Eligibility
Age 23-60 years, Income ₹10 Lakh+ p.a.
Minimum credit score
CIBIL from 750
Why This Product May Be Worth Considering
Lounge access
Reward program
Fuel benefits
Welcome benefits
Insider Banker Tip
Annual fee is waived at ₹3,00,000 spend — check the waiver terms and conditions with the bank.
If You Do Not Choose This
What to weigh before you decide — trade-offs and who this account may not suit.
Who should avoid
Customers who revolve balances and cannot pay in full
Trade-offs
Cashback
0% cashback
Fees
₹12,000
Costs to consider
Joining fee
₹12,000
Annual fee
₹12,000
Finance charge on revolving balance
3.75% per month
Foreign transaction markup
2%
Final Decision Summary
Emeralde Standard from ICICI Bank offers premium lifestyle positioning and reward program certified.
Derived from certified Product Truth — not generative AI.
Calculator
Indicative calculation for planning only. Actual figures depend on bank terms, your profile and prevailing rates.
Estimates are indicative. Final figures depend on bank terms and your profile.
Understanding the Terms
Joining Fee
One-time fee when the card is issued (often waived on spend milestone).
Annual Fee
Yearly card fee; usually waived if you spend a set amount (the waiver spend).
Waiver Spend
The annual spend that, if crossed, gets your annual fee refunded.
Reward Rate
Points earned per ₹100/₹150 spent; points are later redeemed for value.
Cashback
A percentage of your spend returned as cash, usually on a specific category.
Lounge Access
Free airport lounge visits per year — domestic and/or international.
Forex Markup
Extra % charged on spends in foreign currency.
Finance Charge
Monthly interest (often ~3–3.5%) on the unpaid balance if you don’t pay the full bill.
Interest-Free Period
Up to ~20–50 days of no interest if you pay the previous bill in full.
Credit Utilisation
Used limit ÷ total limit — keep below ~30% to protect your credit score.
EMI Conversion
Turning a large purchase into instalments, usually at a stated interest + fee.
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