ICICI Bank Emeralde Credit Card

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The ICICI Bank Emeralde Credit Card is one of the bank’s top premium offerings, aimed at high-net-worth individuals (HNIs) who often travel for business and want to maintain a luxurious lifestyle. This card competes with other premium credit cards by offering a range of exclusive benefits. Additionally, ICICI offers two membership plans: a monthly plan with a fee of Rs. 1,000 and an annual plan with a fee of Rs. 12,000.

Cardholders enjoy perks such as 24/7 concierge service for help with hotel/restaurant bookings, flight reservations, and car rentals. It also provides unlimited access to domestic and international airport lounges, along with air accident insurance coverage of Rs. 3 crores. For international transactions, the card charges a small 1.5% foreign currency markup fee, and there’s no fee on cash withdrawals from ATMs.

Credit Card Detail
ICICI Bank Emeralde Credit Card
Joining Fee
Rs. 12000.00 +GST
Renewal Fee
Rs. 12000.00 +GST
Best Suited For
Travel | Shopping | Movies
Reward Type
Reward Points
Welcome Benefits
N/A
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Rewards Rate
Earn 4 Reward Points for every Rs. 100 spent on all transactions (except fuel, utilities, and insurance). Earn 1 Reward Point for every Rs. 100 spent on insurance and utilities.
Reward Redemption
The earned Reward Points can be redeemed against gifts or cash credit, where 1 Reward Point = Rs. 0.25
Movie & Dining
Get up to Rs. 750 off on your second movie or event ticket (up to 4 tickets per month) on BookMyShow. Enjoy no cancellation charge on movie tickets (up to Rs. 12,000 per year) and a minimum 15% discount at select restaurants through ICICI Culinary Treats.
Travel
Enjoy free access to both international and domestic lounges. Get up to Rs. 12,000 waived on cancellation fees for flight, hotel, or movie ticket bookings, with a maximum of two cancellations per year.
Golf
Get a free round or lesson of golf every month if you spend at least Rs. 50,000 in the previous month (up to 4 per month).
Domestic Lounge Access
Enjoy free, unlimited access to domestic airport lounges with the MasterCard/American Express/Visa lounge program.
International Lounge Access
Complimentary unlimited international airport lounge access under the Dreamfolks program membership
Insurance Benefits
Get Rs. 50,000 in Credit Shield insurance, Rs. 3 crore air accident death cover, and other travel-related insurance benefits (details mentioned later in the article).
Interest Rates
3.40% per month (or 40.80% per year)
Spend-Based Waiver
The monthly fee will be refunded if you spend Rs. 1,00,000 in the previous month. The annual fee will be refunded if you spend Rs. 15,00,000 in the previous year.
Rewards Redemption Fee
Rs. 99 + GST on each redemption request
Cash Advance Charges
Nil
Foreign Currency Markup
1.50% +GST
Fuel Surcharge
1% fuel surcharge waived on all fuel purchases at all fuel pumps across the country.
Card Details
  • Get a free round of golf or lesson for every Rs. 50,000 spent on the card in the previous month (up to 4 rounds/lessons per month).
  • Nominal foreign currency markup of 1.5% and a lower interest rate of 1.99% on cash withdrawals.
  • Reversal of cancellation charges (up to Rs. 12,000) for a maximum of 2 transactions/year for flight/hotel/movie ticket bookings.
  • Choice of monthly or annual plans for card membership.
  • Earn up to 4 Reward Points for every Rs. 100 spent.
  • Tata CliQ voucher worth Rs. 5,000 for purchases at www.tatacliq.com on your birthday (available for AmEx variant only).
  • Unlimited free access to domestic and international airport lounges, along with complimentary spa access at select domestic airports.
  • Up to Rs. 750 off on the second ticket onwards (up to 4 tickets/month) on BookMyShow for all movie and non-movie ticket purchases.
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Frequently Asked Questions

What is the annual fee for the ICICI Bank Emeralde Credit Card?

The annual fee is ₹12,000 + GST, but you can get it waived if you spend ₹15,00,000 in the previous year.

How can I earn reward points with the ICICI Bank Emeralde Credit Card?

You earn 4 reward points for every ₹100 spent on regular purchases and 1 reward point for every ₹100 spent on utilities and insurance.

Does the ICICI Bank Emeralde Credit Card offer lounge access?

Yes, the card gives you unlimited free access to domestic and international airport lounges through Dreamfolks.

What is the forex markup fee for international transactions?

The forex fee is 1.5% of the total amount spent on international transactions.

Are there any milestone benefits with the ICICI Bank Emeralde Credit Card?

Yes, you can get a ₹5,000 Da Milano voucher after spending ₹2,00,000 in the first two months of having the card.

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