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ICICI Bank Emeralde Credit Card
Rewards & Benefits
Welcome Benefits
None
Milestone Benefits
Free 4 rounds of golf every month on spending INR 50,000 in the previous month,
Annunal fee & joining fee is reversed on spending INR 10 lakhs in a calendar year.
Cashback Rate
Value of 1 point = INR 0.25.
Cardholders will get 4 points on normal retails spends.
General Cashback Rate: 1%.
Cardholders will get 1 point in case of purchase of utilities and insurance spend.
Utilites+ Cashback Rate: 0.25%
Movie Benefits
Buy one get one free ticket on Bookmyshow upto four times a month offer is valid on movies and other events available on Bookmyshow.
Dining Benefits
Discount at partner restaurants through ICICI Culinary delights.
Other Benefits
Free 24x7 conciergeFree 4 rounds of golf every month on spending INR 50,000 in the previous month,
Gift voucher worth INR 5,000 from Tata Cliq to be given to the cardholder for free in his birthday month.
Low forex markup fee of 2%.
Cancellation for any reason insurance. Full refund of cancelled flight ticke or hotel booking upto 2 times in year upto a max value of INR 12,000.
Annunal fee & joining fee is reversed on spending INR 10 lakhs in a calendar year.
One of the lowest cash withdrawal fee of 1.99%.
Free air accident cover of INR 3 Crore.
Free purchase protection cover of INR 1.4 Lakhs.
Free plain hijacking cover of INR 1 Lakhs.
Free credit shield of INR 1 Lakh.
Free loss of checked in cover of INR 84,000.
Free card liability cover (lost card liability, counterfeit/skimming/phishing and online fraud protection) of INR 50,000.
Free medical expenses for bodily injury caused by and arising out of rail/road accident cover of INR 50,000.
Free loss of passport and travel related documents cover of INR 35,000.
Free baggage insurance of INR 25,000.
Free delay of the checked in baggage cover of INR 21,000.
Free missing of connecting international flight during transit cover of INR 21,000.
Free delay in flight: 17,500.
Exclusive offers from Mastercard and American Express.
Lounge Access
Unlimted domestic lounge visits.
Unlimited international lounge visits through Priority Pass/Dreamfolk membership.
Rewards & Benefits
Welcome Benefits
None
Milestone Benefits
Free 4 rounds of golf every month on spending INR 50,000 in the previous month,
Annunal fee & joining fee is reversed on spending INR 10 lakhs in a calendar year.
Cashback Rate
Value of 1 point = INR 0.25.
Cardholders will get 4 points on normal retails spends.
General Cashback Rate: 1%.
Cardholders will get 1 point in case of purchase of utilities and insurance spend.
Utilites+ Cashback Rate: 0.25%
Movie Benefits
Buy one get one free ticket on Bookmyshow upto four times a month offer is valid on movies and other events available on Bookmyshow.
Dining Benefits
Discount at partner restaurants through ICICI Culinary delights.
Other Benefits
Free 24x7 conciergeFree 4 rounds of golf every month on spending INR 50,000 in the previous month,
Gift voucher worth INR 5,000 from Tata Cliq to be given to the cardholder for free in his birthday month.
Low forex markup fee of 2%.
Cancellation for any reason insurance. Full refund of cancelled flight ticke or hotel booking upto 2 times in year upto a max value of INR 12,000.
Annunal fee & joining fee is reversed on spending INR 10 lakhs in a calendar year.
One of the lowest cash withdrawal fee of 1.99%.
Free air accident cover of INR 3 Crore.
Free purchase protection cover of INR 1.4 Lakhs.
Free plain hijacking cover of INR 1 Lakhs.
Free credit shield of INR 1 Lakh.
Free loss of checked in cover of INR 84,000.
Free card liability cover (lost card liability, counterfeit/skimming/phishing and online fraud protection) of INR 50,000.
Free medical expenses for bodily injury caused by and arising out of rail/road accident cover of INR 50,000.
Free loss of passport and travel related documents cover of INR 35,000.
Free baggage insurance of INR 25,000.
Free delay of the checked in baggage cover of INR 21,000.
Free missing of connecting international flight during transit cover of INR 21,000.
Free delay in flight: 17,500.
Exclusive offers from Mastercard and American Express.
Lounge Access
Unlimted domestic lounge visits.
Unlimited international lounge visits through Priority Pass/Dreamfolk membership.
Fees & Charges of
ICICI Bank Emeralde Credit Card
Joining Fee
Joining and Annual Fee: Rs 1000/month or Rs 12000/year |
Annual Fee
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.
Cash Advance Fee
3.40% per month (40.80% per year) on the transaction amount from the date of the transaction.
Interest rate
Interest Rate: 3.40% per month (40.80% per year) on outstanding balance after due date.
Late Payment Fee
Foreign Currency Transactions Fee
Foreign Currency Mark-up fees:1.5%on international transactions
Other Fees
Cash advance: 3.40% per month (40.80% per year) on the transaction amount from the date of the transaction.
Joining Fee
Joining and Annual Fee: Rs 1000/month or Rs 12000/year |
Annual Fee
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.
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 3.40% per month (40.80% per year) on outstanding balance after due date.
Late Payment Fee
Foreign Currency Transactions Fee
Foreign Currency Mark-up fees:1.5%on international transactions
Other Fees
Cash advance: 3.40% per month (40.80% per year) on the transaction amount from the date of the transaction.
Fee and Charges of
ICICI Bank Emeralde Credit Card
Special Features
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.
Eligibility Criteria
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.
Speical Feature, Eligibility and Benefits of
ICICI Bank Emeralde Credit Card
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
1.80E+11
Account Opening and Procedure of
ICICI Bank Emeralde Credit Card
Find Offers on Your Credit Card
Find Offers on Your 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.
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
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai