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ICICI Bank Emeralde Credit Card

The ICICI Bank Emeralde Credit Card is a super-premium card designed especially for High-Net-Worth Individuals (HNIs). It offers exclusive rewards and features worth up to ₹3 Lakhs. These include complimentary domestic and international airport lounge access, free monthly golf lessons on crossing the spending milestones, and more. 


Read on to learn more about the ICICI Bank Emeralde Credit Card and the luxurious and premium benefits it offers.

Features & Benefits of the ICICI Emeralde Credit Card

You can enjoy many benefits using this exceptional credit card with exceptional savings potential. 

 

As a birthday benefit, the ICICI Bank Emeralde Credit Card offers a Tata CliQ voucher worth ₹5,000. In addition to this, there are several other features and benefits that make this ICICI Bank Credit Card a great option. 

Flexibility in Membership Plan

The ICICI Bank Emeralde Credit Card allows you to choose between two different plans:

  • An annual plan of ₹12,000 + GST

  • A monthly plan of ₹1,000 + GST

 

Both these charges are reversible based on reaching the spending milestones. 

ICICI Emeralde Credit Card Rewards

Here are the details about the ICICI Bank Emeralde Credit Card reward points that you will receive.

  • 4 reward points on retail spending of ₹100

  • 1 reward point on spending ₹100 on insurance and utilities

  • A policy of in-flight insurance for ₹3 Crores

ICICI Emeralde Credit Card Reward Redemption

With the ICICI Bank Emeralde Credit Card, you can redeem your points to get vouchers for travel or movies. You can also redeem them for smartphones, gadgets, home appliances, and other lifestyle products. To proceed, call 1800 1080. 

1. Attractive Gift Vouchers

Using this credit card, here are the vouchers that you can get:

  • Up to ₹750 off on the second movie ticket after buying the first one on BookMyShow 

  • Up to 4 free games of golf each month 

2. Travel Benefits

Here are some of the travel benefits that the ICICI Bank Emeralde Credit Card offers:

  • Complimentary Dreamfolks membership to enjoy free access to domestic and international airport spa

  • You can access an updated list of spas that you can access using this credit card through https://www.icicibank.com/content/dam/icicibank/managed-assets/docs/personal/cards/credit-cards/dreamfolks-spa-list.pdf 

  • Get unlimited complimentary access to domestic and international airport lounges under the Dreamfolks membership

  • Zero cancellation fees on flight and hotel bookings of up to ₹12,000; valid for up to 2 transactions each year

  • Access to a nominal foreign currency mark-up fee of just 1.5% on international transactions

3. Other Benefits

Here are a few other benefits that this credit card lets you enjoy:

Type of Benefit

Details

Membership Benefits

Premium membership to gyms at 50% discount

Discounts

Discounts at salons and beauty parlours 

Fee Waiver

No charges on cash withdrawals or fees for going over the limit or for late payment

Concierge Service

Concierge services on medical bookings, car rentals, hotels and more

4. Comprehensive Insurance Cover

The ICICI Bank Emeralde Credit Card offers the following types of insurance coverage:

  • An air accidental insurance coverage of up to ₹3 Crores

  • Lost baggage insurance claim worth USD 1,200

  • Insurance coverage for lost travel documents of up to USD 500

  • Liability for lost card worth ₹50,000

ICICI Bank Emeralde Credit Card- Fees and Charges

The following table presents the fees and charges applicable to the ICICI Bank Emeralde Credit Card:

Type of Fees and Charges

Details

Joining Fee

₹12,000 + GST

Annual Fee

₹12,000 + GST (Waived off on spending ₹15 Lakhs in a year)

Finance Charges

3.40% p.m.

Cash Withdrawal Fee

Nil

Late Payment Fee

Nil

Over limit Fee

Nil

Disclaimer: The above fees and charges are subject to change at the bank’s discretion. 

ICICI Emeralde Credit Card Eligibility and Documentation

In order to get quick approval and complete the application process hassle free, take a look at the ICICI Bank Emeralde Credit Card eligibility criteria and required documents. 

1. Eligibility Criteria for the ICICI Bank Emeralde Credit Card

The following are some of the requirements that you must meet to avail of ICICI Bank Emeralde Credit Card benefits: 

  • Minimum salary of ₹3 Lakhs 

  • Annual Income Tax Returns filed must be above ₹ 30 Lakhs

 

Existing ICICI Bank Global Private Client customers can also apply for this premier card. 

2. Documents Required for the ICICI Bank Emeralde Credit Card

When applying for an ICICI Bank Emeralde Credit Card, provide proper documentation, including:

How to Apply for the ICICI Emeralde Credit Card

You can apply for the ICICI Emeralde credit card offline by visiting any ICICI Bank branch. Alternatively, you can apply for it online by following the steps given below.

  • Visit the ICICI Bank Emeralde credit card webpage and click on ‘Apply Now’

  • Enter the required information such as your mobile number 

  • Verify your details with an OTP and share personal information 

  • Personalise your card 

  • Await verification and approval

 

That’s all! Once your application is processed, you will receive delivery of the credit card.That’s all! Once your application is processed, you will receive delivery of the credit card. 

ICICI Emeralde Credit Card Customer Care

Here are the contact details that you can use to talk to the ICICI Credit Card Customer Care.

Toll-free number

1860 120 7777

Postal address

ICICI Bank Tower, 7th floor,

Survey no: 115/27, Plot number 12,

Nanakramguda, Serilingampally,

Hyderabad: 500032

NRI Email ID

nri@icicibank.com

Cards Similar to the ICICI Bank Emeralde Credit Card

The following table showcases some of the credit cards that are similar to the ICICI Bank Emeralde Credit Card:

Name of the Card

Standout Feature

ICICI Bank Coral Credit Card

  • Annual Fee: ₹500 + GST

  • Best suited for entertainment 

ICICI Bank HPCL Credit Card

  • Annual Fee: ₹199 + GST

  • Best suited for utility and fuel

ICICI Bank MMT Platinum Credit Card

  • Annual Fee: ₹500 + GST

  • Best suited for utility

Disclaimer: The above fees and benefits are subject to change at the bank’s discretion

 

With these benefits and features, the ICICI Bank Emeralde Credit Card is a great option for HNIs. However, there are several other credit cards that offer exciting benefits and are accessible to individuals in other income groups.

DISCLAIMER

The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, trade names, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs on the ICICI Emeralde Card

Is the ICICI Bank Emeralde Credit Card good?

The ICICI Bank Emeralde Credit Card is an excellent choice since the annual cost is repaid in the form of various incentives. Also, you will get additional points when you pay the yearly renewal fee.

What are the benefits of the ICICI Emeralde Credit Card?

Free and unlimited access to domestic and international airport lounges, payback points, and discounts on movie tickets are a few benefits this card offers.

Is the ICICI Emeralde Credit Card free?

No, you need to pay the yearly charge of ₹12,000 in order to acquire this card. You can also opt for a monthly membership charge of ₹1,000.

What are the customer contact details for the ICICI Emerald Card?

For queries or complaints about your ICICI Bank Emerald Credit Card, you can contact the bank’s toll-free customer care number at 1860 120 7777/1800 1080. Alternatively, you can write to the bank’s customer support team at customer.care@icicibank.com if you are a resident Indian. NRIs can write to nri@icicibank.com.

What is the mark-up fee on the Emeralde Credit Card?

The card has a nominal mark-up fee of 1.5% on international transactions.

What is the ICICI Emeralde Credit Card limit?

The credit card limit is subject to your application and the bank’s policy. You can contact the bank to know these details.

How can I get my ICICI Emeralde Credit Card statement online?

At the end of every billing cycle, the bank automatically sends you a credit card statement for that period via email. Alternatively, you can retrieve the statement for your Emeralde Credit Card from ICICI Bank by logging into your credit card account.

Can we withdraw money from the ICICI Bank Emeralde Credit Card?

Yes. You can withdraw cash at any ATM using your ICICI Bank Emeralde Credit Card. However, keep in mind that you will have to pay interest on the amount withdrawn.

What charges do I need to pay as a joining fee for the Emeralde Credit Card of ICICI Bank?

In the case of the monthly plan, you will have to pay a joining fee of ₹1,000 + GST for the ICICI Bank Emeralde Credit Card. In the case of the annual plan, however, the joining fee would be ₹12,000 + GST.

Can I redeem PAYBACK points earned on the ICICI Bank Emeralde Credit Card against fuel spends?

Yes. The PAYBACK points that you accumulate on your Emeralde Credit Card from ICICI Bank can be used to purchase fuel. All that you need to do is visit an HP-branded fuel station and present your mobile number or PAYBACK account number. You can choose the number of points that you wish to redeem against fuel as well.

Does the ₹12,000 annual fee make sense?

For all the benefits and rewards that the ICICI Bank Emeralde Credit Card offers, an annual fee of ₹12,000 seems to be a fair deal. Moreover, you can enjoy a waiver of the annual fee if you spend more than ₹15 Lakhs in a year using this card. 

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