ICICI Emeralde Credit Card: A Lifestyle Upgrade for Everyday Luxury
- Pratibha Sharma
- Aug 20
- 6 min read
Updated: Aug 21
In today's blog, we will provide you the information about the ICICI Bank Emeralde Credit Card, mainly about its welcome benefits, cashback rate, and more. For more information, read below:
The ICICI Bank Emeralde Credit Card is one of the most premium cards offered by ICICI, created for people who want luxury, comfort, and exclusivity in both travel and lifestyle. It is designed to match the needs of frequent travelers, professionals, and high spenders who like to enjoy convenience without limits.
With this card, you get unlimited access to airport lounges in India and abroad, which means your travel is always stress-free. It also offers complimentary airport spa sessions, golf privileges, and 24x7 concierge support to make your journeys and daily experiences smoother. For people who often book flights, hotels, or go on vacations, these perks make traveling more relaxed and rewarding.
What Are The Milestone Benefits Of ICICI Bank Emeralde Credit Card?
Free 4 rounds of golf every month on spending INR 50,000 in the previous month,
Annual fee & joining fee are reversed on spending INR 10 lakhs in a calendar year.
What Is The Cashback Rate Of ICICI Bank Emeralde Credit Card?
Value of 1 point = INR 0.25.
Cardholders will get 4 points on normal retail spends.
General Cashback Rate: 1%.
Cardholders will get 1 point in case of the purchase of utilities and insurance.
Utilities+ Cashback Rate: 0.25%
Movie Benefits
Buy one get one free ticket on Bookmyshow up to 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.
ICICI Culinary Delights is a dining program by ICICI Bank that makes eating out more enjoyable and affordable for its credit and debit card users. Instead of just being a bank offer here and there, it’s a whole network of partner restaurants across India where you can save money or get special benefits when you pay with your ICICI card.
You can check for up-to-date restaurant and delivery offers under the "Dining Offers" or "Culinary Treats" section on the ICICI Bank website or their mobile banking app
Through Culinary Delights, you can enjoy discounts of up to 20% or more at select restaurants, cafes, and hotel dining outlets. The range is wide, covering everything from casual dining places to fine-dining restaurants and even premium hotels. If you love eating out, whether it’s a family dinner, a date, or a business lunch, your ICICI card makes the experience lighter on the pocket.
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 ticket or hotel booking up to 2 times in a year, up to a maximum value of INR 12,000 .
Annual fee & joining fee are reversed on spending INR 10 lakhs in a calendar year.
One of the lowest cash withdrawal fees 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 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 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
Unlimited domestic lounge visits.Unlimited international lounge visits through Priority Pass/Dreamfolk membership.
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
How to apply for a 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.
What Are The Pros And Cons Of ICICI Bank Emeralde Credit Card?
Unlimited Lounge Access – You can enter domestic and international airport lounges as many times as you want.
Movie Deals – Buy 1 get 1 free on BookMyShow tickets, up to 4 times a month.
Golf Benefits – Free golf games/lessons if you spend INR 50,000 in the previous month.
Travel Cancellation Cover – If your flight, hotel, or even a movie gets cancelled, you can get a refund (up to INR 12,000 per year).
Lifestyle Perks – Dining discounts, concierge help, fitness, and spa offers.
Fee Waiver – If you spend more than INR 15 lakh in a year, the INR 12,000 fee is waived.
Insurance & Low Forex Fee – Travel insurance and lower charges when you spend abroad.
Cons:
Very High Annual Fee – INR 12,000 is steep unless you use all the benefits.
Poor Rewards – Only about 1% value back on spending, and even less on utilities/insurance.
Low Redemption Value – Points are not very useful; they give less value compared to other premium cards.
Some Perks Hard to Use – Things like spa access or concierge aren’t always practical.
Not Worth It for Everyone – Unless you travel often or get it as Lifetime Free, it may not justify the cost.
Conclusion:
The ICICI Bank Emeralde Credit Card is built for people who live life on the go and want comfort, exclusivity, and convenience at every step. Unlike regular cards that focus only on rewards, this card focuses more on lifestyle benefits that make your daily experiences smoother and more enjoyable. It is designed for frequent travelers, movie lovers, golf players, and anyone who values premium perks.
One of its biggest strengths is unlimited airport lounge access, both in India and abroad. For anyone who travels often, this alone brings huge value. You don’t have to worry about waiting in crowded terminals; you always have a place to relax, eat, or work. On top of that, it adds spa sessions, golf lessons, and concierge services, which are usually considered luxuries but come here as part of the package. For movie buffs, the Buy 1 Get 1 offer on BookMyShow tickets makes weekends more fun and also helps save money.
Beyond travel, the card also adds value to your everyday life. It comes with premium dining offers, wellness and health benefits, as well as strong insurance coverage. The card also has a flexible fee structure; you can choose between paying a fixed annual fee or a monthly fee, depending on what suits you better.
In short, the ICICI Bank Emeralde Credit Card is not just about transactions; it’s about enjoying a lifestyle filled with comfort, luxury, and personalized privileges. It’s best suited for those who want to enjoy luxury and want their card to fulfill all their needs within their budget.
Another highlight is the protection it offers through insurance and travel cancellation benefits. Whether it’s a cancelled flight, hotel, or even a movie, you’re covered up to a limit. This small but thoughtful benefit makes a difference when people change sudden plans.
Of course, the card has its downsides. The annual fee is high, and the reward system is weaker compared to other premium cards. If you are someone who looks only at reward points, this may not feel like the best choice. But if you are someone who values experiences, travel, dining, and leisure, then this card does deliver all that.
In short, the ICICI Emeralde Credit Card is a lifestyle card. It is best suited for those who want everyday luxury, smoother travel, and exclusive privileges, making it a great option for premium users.
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