About ICICI Bank Emeralde Credit Card
The ICICI Emeralde Credit Card is a Premium credit card designed for high-income users looking for luxury lifestyle and travel benefits. The card offers reward points on most spends, including utility and insurance payments, along with benefits like unlimited airport lounge access, complimentary golf rounds, movie ticket offers, shopping vouchers, and more. Cardholders can also earn accelerated rewards through the iShop portal on hotel bookings, flights, and voucher purchases.
This travel credit card is suitable for users who frequently travel and shop online through partner platforms to maximize rewards. However, compared to some other premium cards, the reward redemption value is lower at Rs. 0.25 per point. Still, with its strong lifestyle and travel features, this ICICI credit card remains a good option for users who prefer premium benefits and are comfortable using iShop for higher value-back.
The ICICI Emeralde credit card is a premium lifestyle card offering benefits across travel, golf, movies, shopping, and concierge services. Though the reward rate is comparatively low, the card also offers rewards on utility and insurance spends, which are usually excluded on many cards. With features like low forex markup and unlimited airport lounge access, it is a good option for frequent travellers and users looking for premium lifestyle benefits.
ICICI Bank Emeralde Credit Card Rewards Program
Rewards Program
- Earn 4 reward points for every Rs. 100 spent on retail purchases
- Get 1 reward point per Rs. 100 spent on utility and insurance payments
- Redeem reward points at a value of 1 reward point = Rs. 0.25
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Travel Benefits
- Enjoy unlimited complimentary domestic airport lounge access
- Get unlimited international lounge access with complimentary Priority Pass membership
- Save on overseas transactions with a low forex markup fee of 2%
- Complimentary travel cancellation cover with reimbursement of up to Rs. 12,000
Also Check: Best Travel Credit Cards
Movie Benefits
- Buy one movie or non-movie ticket and get up to Rs. 750 off on the second ticket via BookMyShow, up to four times every month
Golf Benefits
- Avail up to 4 complimentary golf rounds or lessons every month, with 1 benefit unlocked for every Rs. 50,000 spent in the previous month
Birthday Benefits
- Receive a complimentary Tata CLiQ shopping voucher worth Rs. 5,000 on your birthday
Dining Benefits
- Enjoy exclusive dining discounts under the ICICI Bank Culinary Treats Programme
Fuel Benefits
- Get 1% fuel surcharge waiver across fuel stations in India
Also Read: Best Fuel Credit Cards
Concierge Services
- Access 24×7 concierge assistance for restaurant reservations, hotel and flight bookings, movie tickets, car rentals, gift delivery, and more
Insurance Coverage
The card comes with comprehensive insurance protection, including:
- Air accident cover worth Rs. 3 Crore
- Purchase protection cover of Rs. 1.4 Lakh
- Credit shield cover of Rs. 1 Lakh
- Plane hijacking cover worth Rs. 1 Lakh
- Loss of checked-in baggage cover up to Rs. 84,000
- Card liability protection of Rs. 50,000
- Medical cover for rail or road accidents worth Rs. 50,000
- Passport and travel document loss cover up to Rs. 35,000
- Baggage insurance worth Rs. 25,000
- Checked-in baggage delay cover up to Rs. 21,000
- Missed connecting international flight cover up to Rs. 21,000
- Flight delay cover worth Rs. 17,500
Also Read: Best Brand Benefits Credit Cards in India
Fees and Charges
| Fee Type | Amount |
|---|
| Joining Fee | Rs. 12,000 + Taxes |
| Annual Fee | Rs. 12,000 + Taxes |
| Card Replacement Fee | Rs. 200 |
| Finance Charges | 3.75% p.m. | 45% p.a |
| Cash Withdrawal Charges | Nil |
| Late Payment Charges | | Outstanding amount: | Amount | | Less than Rs. 100 | Nil | | Rs. 100- Rs. 500 | Rs. 100 | | Rs. 501- Rs. 1,000 | Rs. 500 | | Rs. 1,001 - Rs. 5,000 | Rs. 600 | | Rs. 5,001 - Rs. 10,000 | Rs. 750 | | Rs. 10,001- Rs. 25,000 | Rs. 900 | | Rs. 25,000- Rs. 50,000 | Rs. 1,100 | | More than Rs. 50,000 | Rs. 1,300 |
|
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Document Required For ICICI Bank Emeralde Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
ICICI Bank Emeralde Credit Card Highlights
What do we like about this card?
- Get a ₹5,000 Tata CliQ voucher on your birthday (AmEx variant only) to shop at www.tatacliq.com.
- Enjoy unlimited domestic and international airport lounge access.
- Save up to ₹750 on the second ticket onwards (max 4 tickets/month) on BookMyShow for movies and non-movie events.
- Complimentary golf round or lesson for every ₹50,000 spent in the previous month (up to 4 per month).
- Low foreign currency markup of 1.5% and 1.99% interest on cash withdrawals.
- Refund of cancellation charges up to ₹12,000 on 2 transactions per year for flight, hotel, or movie bookings.
- Flexible card membership: choose between monthly or annual plans.
- Earn up to 4 reward points for every ₹100 spent.
Things to Know Before you apply
Get this card if:
- You already have credit cards with good reward rates.
- You are okay using iShop for your travel and shopping.
- You prefer redeeming rewards for products instead of airmiles or statement credit.
- You can spend around Rs. 10 Lakh a year to get the annual fee waived.
Pros
- Unlimited domestic and international lounge access
- Earn rewards on utility and insurance spends
- Low forex markup fee
- Movie ticket discounts via BookMyShow
Cons
- Low reward point value
- High spend required for complimentary golf rounds
- Birthday benefits only for American Express cards
- Limited redemption options; no miles conversion
ICICI Bank Credit Card Contact Details
ICICI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.
- Helpline Numbers: 1860 120 7777 (India), +91 22 3366 7777 (International), or + 33667777 from your registered mobile.
- Simply SMS: Send an SMS to 5676766 from your registered mobile number.
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Frequently Asked Questions
A. The annual fee is Rs. 12,000, but it can be waived if you spend Rs. 10 Lakh in the previous year.
A. Yes, the card has a monthly fee option of Rs. 1,000, which is waived if you spend Rs. 1 Lakh in the previous month.
A. Cash withdrawal fees are waived on this card, but it is generally not recommended to withdraw cash using a credit card.
A. Yes, reward points on insurance spends are capped at Rs. 80,000.
A. Yes, the card provides unlimited domestic and international airport lounge access through Priority Pass membership.
A. Yes, you earn 1 reward point for every Rs. 100 spent on utilities and insurance.
A. It offers low forex markup fee of 2%, travel cancellation cover up to Rs. 12,000, and unlimited lounge access.
A. Yes, you can get up to Rs. 750 off on the second movie ticket on BookMyShow (four times a month) and enjoy dining discounts via the ICICI Culinary Treats Programme.
