Airtel Axis Bank Credit Card
Axis Bank VisaMastercardRuPay
Rewards 5.5%
Net Value ₹33,768
Joining Fee ₹0
Renewal Fee ₹0
4 lounge visits • Forex 3.5%
ICICI Emeralde Credit Card (Standard)
ICICI Bank
Super-premium lifestyle credit card
Joining Fee
₹12,000
+ 18% GST
First Year Net
+₹6,091
Annual Fee
₹12,000
+ 18% GST
Renewal Net
+₹6,091
Base Reward Rate
4.0%
4 points per ₹100
Best Category
12.0%
Final Net Score
47
out of 100
Net Annual Value
+₹20,251
Score Breakdown
Lower ScoreMid RangeHigher Score
Key Metrics
Final Score
Comprehensive rating based on your spending profile
47/100
Effective Reward Rate
Weighted average based on your spending categories
5.0%
Annual Net Value
Expected yearly benefit after all costs
₹20,251
Payback Period
Time to recover annual fees through rewards
Immediate
Card Information
Category
Super-premium lifestyle credit card
Launch Date
2019
Networks
Mastercard World
Should I Consider This Card?
Using general assumptions
Likely Eligible
Needs checkAdd income range and credit score to estimate eligibility.
Value for Your Spend
Strong fitAt your current spending pattern, this card is likely to return more value than it costs.
Consider from
₹30,000 / mo
Sweet spot
₹2,00,000 / mo
Net value / year
+₹20,251
Fee outcome
Fee likely payable
Why this result
- Fee waiver threshold: Annual fee waiver is tied to roughly 83,333 monthly spend.
- Top earning category: travel has elevated rewards, which can improve value when your spend matches it.
Details
Spend curve and supporting scenario values
ICICI Emeralde Credit Card (Standard) - Key Highlights
💰 Fees & Charges
- Annual Fee: ₹12,000
- Foreign Transaction: 1.5%
- Late Payment: Varies by outstanding amount
🏆 Rewards & Benefits
- Rewards Rate: 4.0% reward rate
- Lounge Access: Available
- Our Rating: 47/100
ICICI Emeralde Credit Card (Standard) - Frequently Asked Questions
What are the benefits of ICICI Emeralde Credit Card (Standard)?
ICICI Emeralde Credit Card (Standard) from ICICI Bank offers comprehensive benefits including rewards, lounge access, and premium services. Key benefits include reward points on spending and airport lounge access.
Who is eligible for ICICI Emeralde Credit Card (Standard)?
ICICI Emeralde Credit Card (Standard) is ideal for premium card users reward-focused spending. Minimum credit score requirements apply.
How much does ICICI Emeralde Credit Card (Standard) cost?
The annual fee for ICICI Emeralde Credit Card (Standard) is ₹12,000. Additional charges may include foreign transaction fees and late payment charges.
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