The ICICI Emeralde earns in Reward Points, which this calculator values at ₹0.25 per point. Base earn rate is 4% value back, the annual fee is ₹12,000, and forex markup is 1.5%.
The ICICI Emeralde earns no rewards on Fuel, Rent, Govt & Tax. Put that spend on another card.
The legacy Emeralde. Points worth ~₹0.25, so about 1% back. Great lounge and cancellation perks in its day - EPM supersedes it entirely. Hold it for limits, not rewards.
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