Paisabazaar
Get Free Credit Score
Download App

ICICI Bank Emeralde Credit Card

Home ICICI Bank ICICI Bank Emeralde Credit Card
Check Pre-Approved Credit Cards
for you in Just One Click

  • 50+ Credit Cards from Top Banks

  • Compare Best Offers

  • Completely Digital Process

Digits Only

Error: This is invalid mobile number

×

Exclusive Pre-Approved Cards waiting for you

  • 50+ Credit Cards from Top Banks
  • Compare Best Offers
  • Completely Digital Process

Error: Please enter a valid number

We need a few details to show the best
credit card offers for you.

×
Digits Only

Error: This is a mandatory field

Error: Please enter your Income

Error: Please enter a valid PIN code

Error: Please enter your Income

Error:This question is mandatory to check your eligibility

Error: Enter a valid Full Name

Error: Enter a valid Email Address

Error: PAN is required

Error: Date of Birth is required

By submitting this form, I agree to Terms of Use

Which bank’s credit card are you using?

×

Top Banks

All Banks

हिंदी में पढ़े
Updated: 10-01-2022 07:54:48 AM

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.

Please note that ICICI Emeralde credit card is issued only to those applicants who have a minimum salary of Rs. 3 Lakh per month or who file an ITR of Rs. 30 lakh every year.

Key Highlights of ICICI Bank Emeralde Credit Card

Annual FeeRs.12,000
Best Suited ForLifestyle
Paisbazaar’s Rating★★★★ (4/ 5)
EligibilityAll existing ICICI Bank Global Private Client customers
Minimum Income RequiredRs.3 lakh per month

Find Similar Credit Cards          |        Read Card Review        |    Check Eligibility & Apply Now

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- Features and Benefits
ICICI Bank Emeralde Credit Card- Fees and Charges
Is the Rs.12,000 Annual Fee worth it?
ICICI Bank Emeralde Credit Card- Eligibility and Documentation
How to Apply for ICICI Bank Emeralde Credit Card?
Cards Similar to ICICI Bank Emeralde Credit Card
Frequently Asked Questions (FAQs)

ICICI Bank Emeralde Credit Card- Features and Benefits

Flexible Membership Plan

ICICI Bank Emeralde Credit Card comes in two fee options for you to choose from:

Monthly Membership FeeRs.1,000 + GST
Monthly Membership Fee WaiverFee waived off on spending Rs.1 lakh in the previous month
Annual FeeRs.12,000 + GST
Annual Fee WaiverFee 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.

Reward Points

ICICI Bank Emeralde Credit Card lets you earn PAYBACK points on your transactions. You get-

  • 4 PAYBACK Points on every Rs. 100 spent on all retail transactions except fuel
  • 1 PAYBACK Point on every Rs. 100 spent on utilities and insurance categories

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. 

Decent Entertainment Benefits

The card comes with satisfactory offers when it comes to entertainment. 

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

The offer is valid on all movie and non-movie tickets booked through BookMyShow. Click here to know the terms and conditions. 

Unlimited Complimentary International Lounge Access

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.

Unlimited Complimentary Domestic Lounge Access

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. 

Complimentary rounds of Golf every month

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. 

Unlimited Complimentary Domestic Airport Spa Access

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.

One of the best Credit Card for International Travel

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:

  • Low Mark-up fee of 1.5% on international transactions
  • Reduced Annual Percentage Rate (APR) of 1.99% on ATM cash withdrawals
  • No over limit fee
  • No cash withdrawal fee
  • No late payment charges
  • No cancellation charges on travel and hotel bookings
Concierge Benefits

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. 

Comprehensive Insurance Cover

The following table gives you an overall look at the insurance benefits:

CategoryAmount
Personal Air Accident InsuranceRs. 3 crore
Credit ShieldRs. 50,000
Baggage insuranceUp 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 LiabilityRs. 50,000 – 2 days (pre-reporting) and 7 days (post-reporting)
15% off on your Dining Bills with ICICI Culinary Treats

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.

Fuel Surcharge Waiver

Get 1% fuel surcharge waived off on fuel transactions at any fuel outlet.

ICICI Bank Emeralde Credit Card- Fees and Charges

Fee/ChargeAmount/Rate
Joining FeeMonthly Plan – Rs. 1,000
Annual Plan – Rs. 12,000
Annual FeeAnnual Plan – Rs. 12,000
Monthly Plan – Rs. 1,000
Finance Charges3.40% p.m. |  40.80% p.a.
Late Payment ChargesFor Statement Balance:

  • Below Rs. 100: Nil
  • Between Rs. 100 to Rs. 500: Rs. 100
  • Between Rs. 501 to Rs. 5,000: Rs. 500
  • Between Rs. 5,001 to Rs. 10,000: Rs. 750
  • Between Rs. 10,001 to Rs. 25,000: Rs. 900
  • Between Rs. 25,001 to Rs. 50,000: Rs. 1,000
  • Above Rs. 50,000: Rs. 1,200

Is the Rs.12,000 Annual Fee worth it?

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.

ICICI Bank Emeralde Credit Card- Eligibility and Documentation

The ICICI Bank Emeralde Credit Card can be availed by anyone who has a good credit score and meets the following criteria as well.

CriteriaDetails
OccupationOffered to both Salaried and Self-employed Applicants
Customer TypeAll existing ICICI Bank Global Private Client customers are eligible to apply
Income RequirementsMonthly Income- Rs. 3 lakh or more

Annual Income Tax Returns filed- Rs. 30 lakh or above

Serviceable CitiesClick here for the list of eligible cities
Documents RequiredClick here for the list of acceptable documents

How to Apply for ICICI Bank Emeralde Credit Card?

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.

PROSCONS
  • Unlimited Domestic and International Lounge Access and unlimited Spa Access via Dreamfolks
  • No over limit fee, cash withdrawal fee or late payment fee
  • Reward rate stands too low at 4%.
  • The annual fee waiver condition of Rs.15 lakh may be too high

Explore Top credit cards in India

Click Here

Cards Similar to ICICI Bank Emeralde Credit Card

Credit CardAnnual FeeComparative Feature
ICICI Diamant Credit CardRs. 10,000Unlimited international and domestic lounge access
Access to Private Jets, Yachts and Private Islands
Axis Bank Vistara Infinite Credit CardRs. 10,000Extraordinary Weekends
Lounge, golf and dining offers
American Express® Platinum ReserveSM Credit CardRs. 10,000Hotel memberships
Lounge & healthcare benefits
Axis Bank Burgundy Private Credit CardRs. 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 CardRs. 30,000Unlimited international and domestic lounge access
Club Marriott membership
10 Reward Points on every Rs. 100 spent

Frequently Asked Questions (FAQs)

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.

Menu