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About Card


A premium category card from ICICI Bank, the Emeralde Credit Card is a formidable rival to the HDFC Bank Infinia Credit Card. With this card, ICICI Bank targets high net worth individuals who frequently travel for work and who don't want any lifestyle concessions made. It provides special benefits like a 24-hour concierge service, unlimited free access to airport lounges in domestic and international terminals, personal air accident insurance coverage of Rs. 3 crore, and a low foreign currency markup fee of 1.5% on transactions made in a different currency. Additionally, there is no cash advance fee when withdrawing cash from ATMs and there is low foreign currency markup fee of 1.5%. One of this card's key features is that you can select between membership in the monthly plan, where cardholders must pay a monthly price of Rs. 1,000, and the annual plan, where an annual membership fee of Rs. 12,000 is required.


Joining Fee


Best Suited For


2500+Applicable taxes

Reward Points

Travel | Shopping | Movie

What you'll love

  • A Rs. 5,000 Tata CliQ gift card that may be used on your birthday to make purchases at (applicable for AmEx variant only)
  • Free access to select domestic airports’ spas as well as unlimited free access to airport lounges both domestically and abroad.
  • BookMyShow offers discounts of up to Rs. 750 on all movie and non-movie ticket purchases from the purchase of the second ticket onward (up to a maximum of 4 tickets/month).
  • A free round or lesson of golf, up to a maximum of four per month, for every Rs. 50,000 spent on the card in the previous month.
  • A nominal 1.5% markup on foreign exchange rates and a lower interest rate of 1.99% on cash withdrawals.
  • Reversal of cancellation fees (up to Rs. 12,000) on a maximum of two transactions per year for the purchase of travel, hotel, and movie tickets.
  • The option of annual or monthly card membership plans.
  • Earn up to 4 reward points for every Rs. 100 you spend.


  • Photo id: Pan Card, Addhar card, Passport, Voter id, Job Card issued by Nerega

  • Valid address Proof- Addhar card, Passport, Voter id card, House Registry documents,Utility bill not more than 2 months old

  • Income proof: Latest 2 month’s salary slip, latest form 16, and latest bank statement

Eligibility For EMERALDE Credit Card

  • For Salaried

    Indian National
    Age: Min 21 years & Max 60 Years,
    Net Monthly Income> Rs 25,000

  • For Self Employed

    Indian National
    Age: Min 21 yrs & Max 65 Yrs
    Income: ITR > ₹5.0 Lakhs per annum

You'll also love

Rewards Benefit

  • 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

Rewards Redemption

  • The earned Reward Points can be redeemed against gifts or cash credit, where 1 Reward Point = Rs. 0.25

Fuel Surcharge Waiver benefit

  • You get a fuel surcharge waiver of 1% across all petrol stations in India.

Fee Waiver benefit

  • Reversed monthly charge based on expenditure of Rs. 1,000,000 in previous month; reversed yearly fee based on expenditure of Rs. 15,000,000 in prior anniversary year.

Welcome benefit

  • NA

Lounges access benefit

  • Complimentary unlimited domestic airport lounge access under the MasterCard/American Express/Visa lounge program & Unlimited international airport lounge access under the Dreamfolks program membership

Dining & Movie benefit

The ICICI Culinary Treats programme offers a minimum discount of 15% at partnered restaurants as well as discounts of up to Rs. 750 on BookMyShow second movie/event ticket and above (maximum 4 tickets per month), no cancellation fee on movie ticket cancellation (maximum benefit of Rs. 12,000 per year), and discounts of up to Rs.

Zero Liability Protection

  • Zero liability of the credit cardholder in case of loss or theft of card post reporting the same to the bank

Golf benefit 

  • Complimentary round/lesson of golf each month on a minimum spend of Rs. 50,000 in the previous month (max 4/month)

Insurance Benefits

  • Many more insurance benefits within the travel category, including Credit Shield insurance of Rs. 50,000, an air accidental death cover worth Rs. 3 crore, and many others (as illustrated later in the article)

Why Should You Choose This Card?

In light of all the features offered by this card, it can be argued that it ranks among the finest in its class among premium credit cards, giving cards like the HDFC Infinia and Standard Chartered Ultimate Card a serious run for their money. With a few extra perks like a Tata CliQ certificate worth Rs. 5,000 every year on your birthday, a 15% discount on an Anytime Fitness gym subscription, and free in-flight and airport wifi, the American Express version of the card undoubtedly has an advantage. Even so, it’s a fantastic offer for high-net-worth business people who frequently travel abroad for work. What do you think of ICICI’s premium offering? Please let us know in the remarks.

Fees and Charges on the ICICI BANK EMERALDE Credit Card

Fees & Charges


Joining Fees

1000 PER MONTH & 12000 ANNUAL + Applicable taxes

Renewal Fees

1000 PER MONTH & 12000 ANNUAL + Applicable taxes

Interest-free period

Up to 50 days

Cash Withdrawal Limit

30 % of the card limit

Reward redemption Fee

Rs. 99 per redemption request

Foreign Exchange Markup

1.50% of the transaction amount

Finance Charges/Cash Advance Fee


Over Limit Fee

2.50% of the amount

Add on Card Fee


Late Payment Charges

For Amount

  • Less than or equal to Rs 100- Nil
  • From Rs. 100 to Rs. 500- Rs. 100
  • From Rs. 500 to Rs. 5,000- Rs. 500
  • From Rs. 5,001 to Rs. 10,000- Rs.750
  • From Rs. 10,001 to -Rs 25,000 -Rs.900
  • From Rs. 20,001 to Rs 50,000 – Rs .1000
  • Above Rs 50,000-Rs.1200

Payment Return Charges ( For Chq/Auto Pay)

Rs 350 Per instance


  • The ICICI credit card customer care number is 1860 120 7777.

  • You can use PAYBACK Points to buy petrol, yes. Visit an HP petrol pump and simply provide your cellphone number or PAYBACK number while making a payment. After that, specify how many points you wish to redeem and finish the transaction.

  • The delivery of an item to your billing address could take up to two weeks. Coupons will be sent to your registered email address and mobile number right away.

  • Three years after the date of accumulation, the reward points are still valid.

  • The add-on card fee for the EMARALDE Is not chargable.

Core Features

Experience the convenience and security you deserve

ICICI Bank has credit cards suiting everyone’s needs.You can compare and apply for an ICICI BANK credit card that best matches your spending preferences.

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