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ICICI Bank Emeralde Credit Card

Product Details
Credit Card Name : 

ICICI Bank Emeralde Credit Card

Bank Name :


Type :

Premium Credit Card

Interest Rate : 

3.40% per month (40.80% per year)

Eligibility :

You must be at least 21 years old.
You must have a minimum monthly income of Rs. 3,00,000.
You must have filed annual income tax returns of Rs. 30,00,000 or above.
You must be an existing ICICI Bank Global Private Client customer.

ICICI Bank Emeralde Credit Card
  • Unlimited lounge access: Enjoy unlimited domestic and international airport lounge access via Priority Pass and Dragon Pass memberships. This is ideal for frequent travelers.

  • Luxury lifestyle benefits: Get complimentary rounds/lessons at golf courses, spa access, exclusive discounts at hotels, gyms, and wellness centers, and access to BookMyShow vouchers and Da Milano gift vouchers.

  • Travel perks: Benefit from low mark-up fees on foreign currency transactions, reduced APR on ATM cash withdrawals abroad, complimentary travel insurance, and airport transfers (on specific spends), and No cancellation charges on domestic travel and hotel bookings. 

  • Rewards: Earn 4 Reward Points per Rs. 100 spent on all transactions (1% cashback). Points can be redeemed for flights, merchandise, vouchers, and more.

  • Flexibility in fees: Choose to pay the annual fee monthly or annually, with a waiver available on exceeding specific spending thresholds. Provides lowest currency mark-up fees of only 1.5%. 

  • Other benefits: Enjoy no over limit fee, cash withdrawal fee, or late payment fee, along with complimentary accident insurance, purchase protection, and emergency card replacement.

  • High annual fee: The Rs. 12,000 annual fee is steep and requires significant spending to offset the cost through benefits.

  • High spending requirement for fee waiver: The fee waiver requires Rs. 15 lakh in annual spends, which may not be feasible for everyone.

  • Average reward rate: Compared to other super-premium cards, the 4x reward rate is decent but not exceptional.

  • Limited domestic airport lounge access: While unlimited, the domestic lounge access only covers select airports compared to wider-network cards.

  • Targeted towards specific needs: The benefits cater to a specific lifestyle of travel, golf, and luxury experiences, which may not suit everyone.

Pros & Cons
Welcome Benefits

No welcome Benefit but, a Birthday Benefit is provided: Rs 5000 Tata CLiQ Voucher (Only on Amex)

This used to be a Trident Hotel dining voucher worth Rs 7500. Wish, they had kept the same value for the Tata CLiQ voucher as well.

Rewards System
  • Retail Transactions: 4 ICICI Rewards Points / Rs 100 ~ 1% Return

  • Utilities and Insurance: 1 ICICI Rewards Points/Rs 100 ~0.25% Return

  • Fuel: No Rewards

International Forex Markup

IFM- 1.5% 

Welcome Benefits and Reward System
Special Features
  • Domestic Airport Lounge Access: Unlimited visits for both primary and add-on cards via Visa/Mastercard/Amex.

  • International Airport Lounge Access: Unlimited visits for primary cards via Dreamfolks.

Eligibility Criteria

You must be at least 21 years old.
You must have a minimum monthly income of Rs. 3,00,000.
You must have filed annual income tax returns of Rs. 30,00,000 or above.
You must be an existing ICICI Bank Global Private Client customer.


  • Golfing: Get complimentary 2 rounds/lessons per month at premium golf courses across India.

  • Hotel membership: Receive a complimentary Priority Club Platinum membership with exclusive hotel benefits.

  • Dining: Get 15% discount at over 2,500 restaurants under ICICI Culinary Treats program.

  • Movie benefits: Enjoy 2 complimentary movie tickets per month worth up to Rs. 750 each.

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • The Emeralde Card is a super-premium card targeted towards high-income individuals with a high annual fee of Rs. 10,000 (plus GST).

  • Application through an exclusive pre-qualification process is encouraged. To check your pre-qualification, visit the ICICI Bank website or mobile app and enter your details.

  • If pre-qualified, you'll be contacted by the bank for further information and documentation.

  • Alternatively, you can visit an ICICI Bank branch and express your interest in applying for the Emeralde Card.

Contact Details


Account Opening and Procedure
ICICI Emeralde Credit Card

The ICICI Emeralde Credit Card is a top-tier offering with exceptional travel and lifestyle benefits, along with high rewards on retail spending. However, its hefty annual fee and invitation-only status make it suitable only for high-spending individuals who frequently travel and value luxury experiences. If you fall under this category, the Emeralde card can be a valuable tool to enhance your lifestyle and unlock exclusive privileges. However, for occasional travelers or those with lower spending patterns, a different card with more affordable fees and targeted rewards might be a better choice.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Joining and Annual Fee: Rs 1000/month or Rs 12000/year

  • Annual Fee Waiver: Rs 1 Lakh spent for the monthly plan or Rs 12 Lakhs spent on the yearly plan. 

  • Interest Rate: 3.40% per month (40.80% per year) on outstanding balance after due date.

  • Cash advance: 3.40% per month (40.80% per year) on the transaction amount from the date of the transaction.

  • Foreign Currency Mark-up fees: 1.5% on international transactions

Fuel Surcharge

The ICICI Bank Emeralde Credit Card offers a 1% fuel surcharge waiver on all fuel transactions at any fuel outlet when the card is swiped.

Billing Cycle

30 Days

Fees & Charges
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