Question 1

What is the annual fee on the Emirates Emeralde Credit Card and how do you get it waived?

Accepted Answer

The Emirates Emeralde Credit Card charges ₹10,000 plus GST as a joining fee and the same ₹10,000 again at renewal. ICICI Bank waives the renewal fee if you spend ₹15L in the previous year, which is about ₹1,25,000 a month. If your card spend sits below that, treat ₹10,000 as a real yearly cost that your rewards have to clear first.

Question 2

What is the reward rate on the Emirates Emeralde Credit Card?

Accepted Answer

You earn 2 points per ₹100 on International Spend. Everything else earns 2 points per ₹100. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 200 points, roughly ₹50, which is about 0.5% back. Fuel, Insurance, Utilities, Cash Advance earn nothing at all.

Question 3

Does the Emirates Emeralde Credit Card give unlimited airport lounge access?

Accepted Answer

Yes. The card carries unlimited complimentary domestic and international lounge visits for the primary member, and guest visits are usually chargeable. Lounge access on premium cards is increasingly linked to prior quarter spend, so check your statement page each quarter. This is the single benefit that justifies most of the fee if you fly even once a month.

Question 4

What changed on the Emirates Emeralde Credit Card recently and is it still worth it in 2026?

Accepted Answer

Earn 2.5→2 Miles/₹100; category exclusions; ICICI portfolio cuts. The changes are dated Jan 15, 2026. At ₹15L of yearly spend the card returns roughly ₹15,000 at its general rate of about 1%, against a ₹10,000 renewal fee. That clears the fee, but not by much, so it is worth keeping only while your spending stays in the accelerated category.

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