TravelSuper-premiumVisa✦ Emirates

Emirates Emeralde Credit Card

Emirates frequent flyers seeking accelerated miles and airport lounge perks

Annual fee₹10,000

RewardsEarn Emirates Skywards miles on every ₹100 spend. 2 On International Spend. 2 On Domestic Spend. Your miles will be credited to your Emirates Skywards account at the end of the billing cycle

Forex markup3.5%3.5% on all foreign currency transactions

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Welcome benefits

10,000 Skywards Miles and Emirates Skywards Silver Tier Membership

Type: Miles
Trigger: On Joining
Partner: Emirates

Rewards

Base earn rate

Earn Emirates Skywards miles on every ₹100 spend. 2 On International Spend. 2 On Domestic Spend. Your miles will be credited to your Emirates Skywards account at the end of the billing cycle

Emirates Skywards

Excludes: Cash Advances, Interest Charges, Service Charges, Late Payment Fee, Joining Fee, Annual Fee, Emi Payments, Balance Transfers, Plcc Transactions

• Skywards Miles earned are valid for three years from the date of the flight or partner transaction that earned them. After three years, any unused miles will automatically expire.
• Redemption fee: ₹99

Milestone benefits

Emirates Gold Tier Membership after a spend of ₹15 lakh (including minimum ₹50,000 on Emirates.com) in the anniversary year

Lounge access

International

Priority Pass

—complimentary visits

DreamFolks lounge programme →

Fees & charges

Joining fee: ₹10,000 + Goods and Services Tax (GST)
Annual / renewal fee: ₹10,000 + Goods and Services Tax (GST)
Add-on card fee: ₹199
Interest rate: Pay 3.75% interest, per month. If only minimum due is paid Pay 3.75% interest per month
Interest-free period: 48 days
Cash advance fee: 2.5% of amount, min ₹500
Overlimit fee: 2.5%, min ₹550
Payment dishonour: ₹500
Forex markup: 3.5% on all foreign currency transactions
DCC markup: 3.50%
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹4000 txns, max ₹50,000/cycle

Late payment

Outstanding amount	Late fee
₹0 – ₹100	₹0
₹101 – ₹500	₹100
₹501 – ₹1,000	₹500
₹1,001 – ₹5,000	₹600
₹5,001 – ₹10,000	₹750
₹10,001 – ₹25,000	₹900
₹25,001 – ₹50,000	₹1,100
Above ₹50,001	₹1,300

View official MITC →

Eligibility

Income (salaried): A salaried employee with a monthly income of at least ₹2,50,000. Self-employed with an annual income of at least ₹30,00,000
Income (self-employed): ₹30L/year
Age: 21+ years

Employment types

SalariedSelf-Employed

Required documents

proof_of_identity
proof_of_address
income_proof

Features

No rewards on

Cash Advances · Interest Charges · Service Charges · Late Payment Fee · Joining Fee · Annual Fee · Emi Payments · Balance Transfers · Plcc Transactions