The ICICI Emeralde Credit Card is a premium lifestyle card for high-income users, offering a mix of travel, entertainment, and luxury benefits. Cardholders earn up to 4 reward points per ₹100 spent, including on utilities and insurance, and enjoy unlimited lounge access, complimentary golf rounds, free movie tickets via BookMyShow, and shopping vouchers.
While its base redemption value is low (₹0.25 per point), the new iShop portal boosts returns with 6% value on flight and voucher purchases and 12% on hotel bookings. This makes the card rewarding for frequent travelers and shoppers who use iShop. However, those preferring straightforward, high-value rewards may find better alternatives in cards like HDFC Diners Club Black or ICICI Emeralde Private.
ICICI Bank Emeralde Credit Card Rewards Program
Rewards Program:
Earn 4 reward points on every Rs. 100 spent on retail purchases.
Earn 1 reward point on every Rs. 100 spent on utilities and insurance.
Value of 1 reward point: Rs. 0.25.
Other Features and Benefits
Travel Benefits:
Unlimited domestic and international airport lounge access with Priority Pass.
Low forex markup fee of 2%.
Travel cancellation cover up to Rs. 12,000.
Movies:
Buy one ticket and get up to Rs. 750 off on a second ticket on BookMyShow, up to 4 times per month.
Golf:
4 complimentary rounds/lessons every month (1 per Rs. 50,000 spent in the previous month).
Birthday Benefit:
Complimentary shopping voucher worth Rs. 5,000 from Tata CLiQ.
Concierge Service:
24×7 assistance for restaurant reservations, hotel/flight bookings, car rentals, movie tickets, gift delivery, etc.
Dining:
Discounts via ICICI Bank Culinary Treats Programme.
Fuel:
1% fuel surcharge waiver across all fuel stations in India.
Insurance Coverage:
Air Accident: Rs. 3 Crore
Purchase Protection: Rs. 1,40,000
Plane Hijacking: Rs. 1 Lakh
Credit Shield: Rs. 1 Lakh
Loss of checked-in baggage: Rs. 84,000
Card Liability Cover: Rs. 50,000
Medical Expenses (rail/road accident): Rs. 50,000
Loss of Passport/Travel documents: Rs. 35,000
Baggage insurance: Rs. 25,000
Delay of checked-in baggage: Rs. 21,000
Missing connecting international flight: Rs. 21,000
Flight delay: Rs. 17,500
Fees and Charges
Fee Type
Amount
Joining Fee
Rs. 12,000 + Taxes
Annual Fee
Rs. 12,000 + Taxes
Card Replacement Fee
Rs. 200
Finance Charges
3.75% p.m. | 45% p.a
Cash Withdrawal Charges
Nil
Late Payment Charges
Outstanding amount:
Amount
Less than Rs. 100
Nil
Rs. 100- Rs. 500
Rs. 100
Rs. 501- Rs. 1,000
Rs. 500
Rs. 1,001 - Rs. 5,000
Rs. 600
Rs. 5,001 - Rs. 10,000
Rs. 750
Rs. 10,001- Rs. 25,000
Rs. 900
Rs. 25,000- Rs. 50,000
Rs. 1,100
More than Rs. 50,000
Rs. 1,300
Things to Know Before you apply
Get this card if:
You already have credit cards with good reward rates.
You are okay using iShop for your travel and shopping.
You prefer redeeming rewards for products instead of airmiles or statement credit.
You can spend around Rs. 10 Lakh a year to get the annual fee waived.
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For ICICI Bank Emeralde Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
ICICI Bank Emeralde Credit Card Hilights
What do we like about this card?
Get a ₹5,000 Tata CliQ voucher on your birthday (AmEx variant only) to shop at www.tatacliq.com.
Enjoy unlimited domestic and international airport lounge access.
Save up to ₹750 on the second ticket onwards (max 4 tickets/month) on BookMyShow for movies and non-movie events.
Complimentary golf round or lesson for every ₹50,000 spent in the previous month (up to 4 per month).
Low foreign currency markup of 1.5% and 1.99% interest on cash withdrawals.
Refund of cancellation charges up to ₹12,000 on 2 transactions per year for flight, hotel, or movie bookings.
Flexible card membership: choose between monthly or annual plans.
Earn up to 4 reward points for every ₹100 spent.
Pros
Unlimited domestic and international lounge access
Earn rewards on utility and insurance spends
Low forex markup fee
Movie ticket discounts via BookMyShow
Cons
Low reward point value
High spend required for complimentary golf rounds
Birthday benefits only for American Express cards
Limited redemption options; no miles conversion
ICICI Bank Credit Card Contact Details
ICICI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.
Helpline Numbers: 1860 120 7777 (India), +91 22 3366 7777 (International), or + 33667777 from your registered mobile.
Simply SMS: Send an SMS to 5676766 from your registered mobile number.
Frequently Asked Questions
Everything you need to know about this credit card
A. The annual fee is Rs. 12,000, but it can be waived if you spend Rs. 10 Lakh in the previous year.
A. Yes, the card has a monthly fee option of Rs. 1,000, which is waived if you spend Rs. 1 Lakh in the previous month.
A. Cash withdrawal fees are waived on this card, but it is generally not recommended to withdraw cash using a credit card.
A. Yes, reward points on insurance spends are capped at Rs. 80,000.
A. Yes, the card provides unlimited domestic and international airport lounge access through Priority Pass membership.
A. Yes, you earn 1 reward point for every Rs. 100 spent on utilities and insurance.
A. It offers low forex markup fee of 2%, travel cancellation cover up to Rs. 12,000, and unlimited lounge access.
A. Yes, you can get up to Rs. 750 off on the second movie ticket on BookMyShow (four times a month) and enjoy dining discounts via the ICICI Culinary Treats Programme.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
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