ICICI Bank Emeralde Credit Card

Flexible Membership Plan

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

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.

Two Variants to choose from

ICICI Bank Emeralde Credit Card comes in two variants-

1. MasterCard
2. American Express

You have the option to choose only one among the two listed above. If you decide to opt for this card, we suggest you take the Amex variant because both Da Milano & Trident dining vouchers come only with the Amex variant. Also there are certain exclusive benefits offered by the American Express variant. 

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 American Express® Lounge List.

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. 

Exclusive American Express Privileges

If you decide to go for the Amex variants, you will get the following additional benefits:

Comprehensive Insurance Cover

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

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.

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.

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.

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.