ICICI Bank Emeralde Credit Card is a premium lifestyle card best suited for High Net worth Individuals who wish to avail luxurious benefits on their card. Unlimited free lounge access, golf lessons/rounds at the finest golf courses, hotel membership are some of the premium features of this card. Packed with wide-ranging benefits, this is one of the best super-premium credit cards in India.
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Key Highlights of ICICI Bank Emeralde Credit Card | |
| Annual Fee | Rs.12,000 |
| Best Suited For | Lifestyle |
| Paisbazaar’s Rating | ★★★★ (4/ 5) |
| Eligibility | All existing ICICI Bank Global Private Client customers |
| Minimum Income Required | Rs.3 lakh per month |
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Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit the ICICI Bank’s website.
ICICI Bank Emeralde Credit Card comes in two fee options for you to choose from:
| Monthly Membership Fee | Rs.1,000 + GST |
| Monthly Membership Fee Waiver | Fee waived off on spending Rs.1 lakh in the previous month |
| Annual Fee | Rs.12,000 + GST |
| Annual Fee Waiver | Fee waived off on spending Rs.15 lakh in the previous year |
According to our opinion, the annual plan would be the best for the majority of the cardholders. Although the monthly plan would also fit in if you intend to do regular monthly purchases on your card.
ICICI Bank Emeralde Credit Card lets you earn PAYBACK points on your transactions. You get-
You can redeem your PAYBACK points from varied options available including- movie and travel vouchers, lifestyle products, mobiles, appliances etc.
In our opinion, the reward rate of 4% offered by ICICI Bank Emeralde Credit Card is not that good when compared to other credit cards of this segment such as HDFC Diners Club Black Credit Card and Axis Magnus Credit Card. The only good thing about the PAYBACK points is that you convert the points to cash credit on statement.
The card comes with satisfactory offers when it comes to entertainment.
The offer is valid on all movie and non-movie tickets booked through BookMyShow. Click here to know the terms and conditions.
Get unlimited complimentary access to international airport lounges, under the Dreamfolks membership Programme.
Click here to check the list of lounges.
Click here to check the applicable lounge charges, FAQs and programme Terms & Conditions.
Get unlimited complimentary access to select lounges at airports in India with your ICICI Bank Emeralde Credit Card.
Click here to see the MasterCard Lounge List.
The unlimited access to both domestic and international lounges is definitely an added advantage of the card.
Avail complimentary round/lesson of golf on every Rs. 50,000 or more spent on the card in the previous calendar month, up to a maximum of 4 rounds/ lessons of golf every month.
Click here to know the terms and conditions.
Get unlimited complimentary domestic airport spa access, through Dreamfolks Membership.
Click here to check the updated list of spas.
Click here to check the applicable charges and related terms and conditions.
This benefit is one of the most lucrative advantages of this card. If you are frequently flying within India, this will get you decent value back.
For example, if you fly twice every month for an year, that’s 2X12 = 24 Spa visits. Even if the cost of 1 visit is Rs. 1,000, this alone saves you Rs.24,000 a year.
Following are some of the added advantages of ICICI Bank Emeralde Credit Card which makes it one of the best credit card to use for International Travel:
Avail 24×7 concierge service that takes care of your every need from finding the right gift and making restaurant reservations to travel and hotel reservations, and even delivering movie tickets at your doorstep and a lot more.
The following table gives you an overall look at the insurance benefits:
| Category | Amount |
| Personal Air Accident Insurance | Rs. 3 crore |
| Credit Shield | Rs. 50,000 |
| Baggage insurance | Up to Rs. 25,000 |
| Travel Documents Loss | $500 |
| Loss of Checked-in Baggage | $1,200 |
| Delay in receipt of checked-in baggage | $300 in excess of 12 hours |
| Missing flight due to trans-shipment | $300 |
| Plane hijacking | $250 per hour up to max of 12 hours |
| Delay in flight | $250 in excess of 12 hours |
| Lost Card Liability | Rs. 50,000 – 2 days (pre-reporting) and 7 days (post-reporting) |
Get a minimum of 15% discount on your dining bill at participating restaurants through the ICICI Bank Culinary Treats Programme. Please visit www.culinarytreats.com for more details.
Get 1% fuel surcharge waived off on fuel transactions at any fuel outlet.
| Fee/Charge | Amount/Rate |
| Joining Fee | Monthly Plan – Rs. 1,000 Annual Plan – Rs. 12,000 |
| Annual Fee | Annual Plan – Rs. 12,000 Monthly Plan – Rs. 1,000 |
| Finance Charges | 3.40% p.m. | 40.80% p.a. |
| Late Payment Charges | For Statement Balance:
|
Keeping aside the rewards rate which is not that good, everything else offered by the card is mostly at par with other super-premium credit cards. It gives you an option to pay an annual fee of Rs. 12,000 or monthly fee of Rs. 1,000. The monthly fee is waived off on reaching spends of Rs. 1 Lakh and annual fee on spending 15 Lakh, which might seem too high for few customers.
Overall, for all the benefits and facilities that can be availed using the Emeralde credit card, the annual/monthly fee seems to be a fair deal if you can get the maximum out of your credit card. If you put a value to the benefits like Spa/Lounges etc. among others, you will find the overall return to be reasonably good.
The ICICI Bank Emeralde Credit Card can be availed by anyone who has a good credit score and meets the following criteria as well.
| Criteria | Details |
| Occupation | Offered to both Salaried and Self-employed Applicants |
| Customer Type | All existing ICICI Bank Global Private Client customers are eligible to apply |
| Income Requirements | Monthly Income- Rs. 3 lakh or more Annual Income Tax Returns filed- Rs. 30 lakh or above |
| Serviceable Cities | Click here for the list of eligible cities |
| Documents Required | Click here for the list of acceptable documents |
Currently, Paisabazaar.com does not provide ICICI Bank Emeralde Credit Card. You may apply for the credit card by visiting the ICICI Bank website or branch.
| PROS | CONS |
|
|
| Credit Card | Annual Fee | Comparative Feature |
| ICICI Diamant Credit Card | Rs. 10,000 | Unlimited international and domestic lounge access Access to Private Jets, Yachts and Private Islands |
| Axis Bank Vistara Infinite Credit Card | Rs. 10,000 | Extraordinary Weekends Lounge, golf and dining offers |
| American Express® Platinum ReserveSM Credit Card | Rs. 10,000 | Hotel memberships Lounge & healthcare benefits |
| Axis Bank Burgundy Private Credit Card | Rs. 10,000 (for Non-burgundy members) | 0% foreign mark-up, cash withdrawal fee Unlimited international and domestic lounge access Medical Consultation |
| Axis Bank Reserve Credit Card | Rs. 30,000 | Unlimited international and domestic lounge access Club Marriott membership 10 Reward Points on every Rs. 100 spent |
What is Goods and Service Tax (GST)?
Goods and Services Tax (GST) is an indirect tax (or consumption tax) imposed in India on the supply of goods and services. Currently, it is marked at 18%.
What is ICICI credit card customer care number?
The ICICI credit card customer care number is 1860 120 7777.
How can I redeem the Payback points?
You may redeem the PAYBACK points by visiting PAYBACK website. Detailed steps can be found here.
Can I redeem PAYBACK points earned on ICICI Bank Emeralde credit card against fuel spends?
Yes, you can redeem PAYBACK Points to buy fuel. Simply, visit an HP fuel pump and state your mobile number / PAYBACK number at the time of payment. Finally, state the number of points you want to redeem and complete the transaction.
How long does it take for a redeemed item to reach me?
It may take up to 2 weeks for an item to reach your billing address. Vouchers will reach you immediately at your registered mobile number and Email address.
