ICICI Bank Emeralde Credit Card

Key Highlights of ICICI Bank Emeralde Credit Card

The table below outlines the features of the Emeralde Credit Card.

Feature	Details
Joining Fee	₹12,000 + GST
Annual Fee	₹12,000 + GST; waived if annual spending crosses ₹10 lakh
Reward Rate	4 ICICI Reward Points for every ₹100 spent on domestic retail purchases
International Spending	4 reward points for every ₹100 spent on international transactions
Utility & Insurance Spending	1 reward point for every ₹100 spent
Lounge Access	Unlimited complimentary domestic and international airport lounge access for the primary cardholder
Fuel Surcharge Waiver	1% waiver on fuel transactions up to ₹4,000
Income Requirement	Designed for high-income individuals and premium banking customers
Best For	Luxury travel, golf privileges, and lifestyle rewards
Recommended For	Frequent flyers, high spenders, and users seeking premium travel benefits

Why Choose ICICI Bank Emeralde Credit Card?

The ICICI Emeralde Credit Card is beneficial for all those who enjoy a luxurious lifestyle. It offers:

• Unlimited domestic and international airport lounge access.
• Earn reward points on everyday retail spending.
• Complimentary rounds of golf at select golf courses.
• Movie ticket offers through BookMyShow every month.
• Travel conveniences such as no cancellation charges on certain travel bookings.
• Concierge services and lifestyle assistance.

What are the Features & Benefits of ICICI Bank Emeralde Credit Card?

Refer to the tale below to know the benefits that the ICICI Emeralde Credit Card provides.

Feature	Details
Unlimited Airport Lounge Access	Complimentary unlimited lounge access at domestic and international airports.
Reward Points on Spending	Earn 4 ICICI Reward Points per ₹100 on retail purchases and 1 reward point per ₹100 on utility and insurance payments.
Golf Privileges	Complimentary golf rounds or golf lessons at select courses, based on the previous month’s spending threshold.
Entertainment Benefits	Buy One Get One movie ticket offers through BookMyShow with discounts of up to ₹750 on the second ticket.
Travel & Lifestyle Benefits	Includes concierge services and travel conveniences such as no cancellation charges on selected hotel and travel bookings.
Reduced Forex Mark-up	Lower foreign currency mark-up fee on international transactions.
Fuel Benefit	1% fuel surcharge waiver at fuel stations across India.
Cash Withdrawal Benefit	No over-limit fee and reduced interest of 3.75% per month on ATM cash withdrawals.
Insurance Cover	Complimentary air accident insurance cover for added travel protection.

What are the Fees & Charges of ICICI Bank Emeralde Credit Card?

The fees and charges associated with the Emeralde Credit Card include:

Type of Charge	Details
Joining Fee	₹12,000 + GST
Annual Fee	₹12,000 + GST (waived for the next year if annual spending exceeds ₹10 lakh)
Finance Charges / Interest Rate	3.75% per month on outstanding balances
ATM Withdrawal Charges	3.75% interest per month on cash withdrawals
Late Payment Charges	₹100 to ₹1,300 depending on the outstanding amount
Foreign Currency Markup	2% on international transactions

What are the Reward Points & Cashback Value of ICICI Bank Emeralde Credit Card?

The Emeralde credit card earns reward points on domestic retail transactions, international transactions and utility and insurance spending. These points can be redeemed for health and beauty products, shopping vouchers, travel and lifestyle items, and home appliances and electronics.

Reward Structure

• 4 Reward Points per ₹100 spent on retail purchases
• 1 Reward Point per ₹100 spent on utilities and insurance payments

Spending Example

Let’s assume a cardholder spends ₹1,00,000 in a month on retail purchases.

• Reward rate: 4 RP per ₹100
• Total reward points earned: 4,000 RP

These reward points can be redeemed for travel vouchers, shopping products, lifestyle items, or other rewards through ICICI Bank’s rewards platform.

What are the Eligibility Criteria for the ICICI Bank Emeralde Credit Card?

Applicants need to meet the following basic criteria to get an Emeralde Credit Card:

• Age between 21 and 65 years.
• Must be an Indian citizen.
• Should have a strong credit profile and a high income level suitable for a premium credit card.
• Existing ICICI Bank customers may also receive pre-approved offers.

What Documents Are Required for the ICICI Bank Emeralde Credit Card?

Applicants usually need to submit the following documents while applying for an Emeralde Credit Card:

• Identity Proof: Aadhaar card, PAN card, or passport.
• Address Proof: Aadhaar, utility bill, passport, or voter ID.
• Income Proof: Salary slips, Form 16, or income tax returns.
• Photographs: Passport-size photographs.

How to Apply for ICICI Bank Emeralde Credit Card through Urban Money?

Applying through Urban Money is simple and fully online.

• Visit the Urban Money website.
• Navigate to the Credit Card section.
• Select ICIC Credit Cards from the list of banks.
• Find the ICICI Bank Emeralde Credit Card and review its details.
• Click Apply Now.
• Enter personal information such as name, mobile number, city, and income.
• Verify the application through OTP.
• An Urban Money representative will contact you to complete the process.

Once the application is submitted, the bank reviews it. After approval, you will receive card dispatch updates or digital card details.

What are the Pros and Cons of ICICI Bank Emeralde Credit Card?

Pros

• Unlimited domestic and international airport lounge access.
• Earn reward points on most retail spending.
• Complimentary golf privileges.
• Movie ticket offers through BookMyShow.
• Concierge services for travel and lifestyle assistance.

Cons

• Premium credit card with high eligibility requirements.
• The annual fee may be higher than that of standard cards.
• Benefits are best utilised by high-spending users.

Who Should Get the ICICI Bank Emeralde Credit Card?

The Emeralde credit card works best for people who travel often and use their credit card regularly. It is designed for users who want luxury travel benefits along with reward points on everyday spending.

This card can be beneficial for:

• Frequent flyers who want unlimited airport lounge access.
• Professionals with high annual card spending.
• People who enjoy golf privileges and premium lifestyle benefits.
• Users who spend significantly on retail purchases want reward points.
• Individuals who want concierge and travel-related assistance.