Cards · ICICI Bank

Emirates Skywards ICICI Bank Emeralde Credit Card: rewards, caps and exclusions

Below is every rate, cap and exclusion in ICICI Bank's published terms, as we last checked them on 9 October 2026.

₹10,000 a yearPaid in miles

What it earns

≈1%Everything elseno cap stated

≈ marks a rate paid in miles, valued at ₹0.5 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

Fuel
Cash withdrawals and fees
EMI conversions
Money transfers
Insurance premiums (since 15 January 2026)
Utility bills (since 15 January 2026)
Telecom bills (since 15 January 2026)
Government payments (since 15 January 2026)
Education fees (since 15 January 2026)
Rent
Wallet loads

What costs extra

Worse than earning nothing: ICICI Bank charges a fee for these.

1% on Rent pay, plus GST

Milestones

In ICICI Bank's own words:

Emirates Skywards Gold tier on ₹15 lakh spend in the anniversary year, of which ₹50,000 with Emirates (emirates.com or the Emirates Contact Centre); activated on paying the next annual fee → Skywards Gold tier (status, no miles)

Fees

Annual fee: ₹10,000, plus 18% GST
Joining fee: ₹10,000

Where this comes from

Transcribed from ICICI Bank's own documents and checked against them on 9 October 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with ICICI Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

Hold this card?

Zenidhi reads your ICICI Bank statements and transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works