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Skywards ICICI Bank Emerald Credit Card

Product Details
Credit Card Name : 

Skywards ICICI Bank Emerald Credit Card

Bank Name :

ICICI Bank

Type :

Travel Credit Card

Interest Rate : 

Interest Rate: 3.67% per month (annual interest rate - 44%). 

Eligibility :

Age: You must be a minimum of 21 years old for primary cardholder (18 years old for supplementary cardholders).
Employment: You must be either self-employed or salaried.
Credit Score: You must have a good credit score. This means no recent defaults or delinquencies on loans or credit cards.

Skywards ICICI Bank Emerald Credit Card
Pros
  • Welcome Benefits: Get 10,000 Skywards Miles and Emirates Skywards Silver Tier membership as joining and annual benefits.

  • Reward System: Earn up to 2.5 Skywards Miles per INR 100 on all categories. These Skyward Miles can be used for the purposes booking Emirates tickets.

  • Unlimited free international & domestic lounge access and domestic spa sessions.

  • Buy one ticket and get up to INR 750 off on the second ticket up to 4 times every month on BookMyShow.

  • Complimentary membership to Dreamfolks worth USD 99. 

Cons
  • Card offers cashback only in form of Skyward Miles. 

  • Card can be used only to book tickets through Emirates. 

Pros & Cons
Welcome Benefits

Welcome Benefits: Get 10,000 Skywards Miles and Emirates Skywards Silver Tier membership as joining and annual benefits.

Rewards System

Reward System: Earn up to 2.5 Skywards Miles per INR 100 on all categories. These Skyward Miles can be used for the purposes booking Emirates tickets.

International Forex Markup

3.5%

Welcome Benefits and Reward System
Special Features

Free Dreamfolk membership worth USD 9. As a Dreamfolks member, you can relax at more than 450 comfortable and luxurious airport lounges across 115 countries around the world, regardless of the class or airline you fly with, or whether or not you are a member of an airline frequent flyer club.

Eligibility Criteria

Age: You must be a minimum of 21 years old for primary cardholder (18 years old for supplementary cardholders).
Employment: You must be either self-employed or salaried.
Credit Score: You must have a good credit score. This means no recent defaults or delinquencies on loans or credit cards.

Benefits
  • Good travel benefits.

  • Good value add and welcome benefits. 

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?

1. Online:

  • Visit ICICI Bank website.

  • Fill out the online application form with the correct details.

  • Upload the required documents when prompted.

  • Submit the application and track its status online.

2. Bank Branch:

  • Visit the ICICI Bank branch nearest to you. 

  • Meet a customer service representative and express your interest of availing the credit card.

  • Provide them with your KYC documents and fill out the application form.

  • Submit the application and inquire about further processing steps.

Contact Details

1800 1080

Account Opening and Procedure
Skywards ICICI Bank Emerald Credit Card

The card offers good value add benefits such as unlimited free international & domestic lounge access and domestic spa sessions, however, the card is suited only for those individuals who fly emirates.

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 Fee: INR 10,000

  • Annual Fee: (Second year onwards): INR 10,000

  • Interest Rate: 3.67% per month (annual interest rate - 44%). 

  • Interest On Cash: 2.49% per month (annual interest rate - 29.88%). 

  • Forex Marku: 3.5%

  • Cash Withdrawal Fee: 2.5% on advanced amount , subject to minimum of INR 300.

  • Rewards Redemption Fee: INR 99

  • Late Payment Charges: 0-1200 depending on the outstanding amount.

Fuel Surcharge

1% fuel surcharge waiver at HPCL petrol pumps on transactions between Rs. 400 and Rs. 4,000,

Billing Cycle

30 Days

Fees & Charges
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