PointsVista · India · Updated 2026-10-04

Emirates Skywards ICICI Bank Emeralde

ICICI Bank · Airline

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Emirates co-brand earning Skywards Miles directly, with Silver tier on joining (Gold possible at ₹15 lakh spend incl. ₹50,000 on emirates.com) and unlimited lounges.

Welcome offer
10,000 Skywards Miles and Emirates Skywards Silver tier on paying the fee
Annual fee
₹10,000 + GST a year (₹11,800 incl. GST); no waiver stated
Rewards rate
2 Skywards Miles per ₹100 (domestic and international)
Regular APR
Interest is charged monthly; see the bank's fees page
Recommended CIBIL score
CIBIL 700+ (guide: TransUnion CIBIL calls 700+ good; the bank doesn't publish a minimum)
Forex markup
3.5% + GST
Airport lounges
Card network (domestic) + Priority Pass (international). Unlimited domestic and international. Not stated.
Points go to
Emirates Skywards. Emirates' frequent-flyer programme; ICICI co-brand cards earn Skywards Miles directly.
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