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Financetoall > ICICI Bank Emeralde Credit Card Review
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ICICI Bank Emeralde Credit Card Review

Finance Editor
Last updated: May 30, 2025 5:35 am
By Finance Editor
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ICICI BANK EMERALDE CREDIT CARD Review
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Overview:Joining Fees : ₹12,000 + GST * (1 Condition is there)Annual Fees: ₹12,000 + GST.Flexibility to Choose Your Membership Plan with the ICICI Bank Emeralde Credit CardICICI Bank Emeralde Credit Card Features:Enjoy Unlimited Complimentary Lounge Access for a Luxurious Travel ExperienceSimplify International Travel with the ICICI Bank Emeralde Credit CardEligibility Criteria for ICICI Bank Emeralde Credit CardICICI Bank Emeralde Credit Card Rewards & Savings:ICICI Emeralde Credit Card Fees & ChargesICICI Bank Emeralde Credit Card Concierge ServicesICICI Bank Emeralde Credit card Golf Benefit:Emeralde Credit Card Privileges:Emeralde American Express Credit Card Privileges

The ICICI Bank Emeralde Credit Card is a premium offering tailored for individuals who value luxury, convenience, and exclusive privileges. Designed for high-net-worth customers, this card stands out with its extensive benefits across lifestyle, travel, entertainment, and financial security. Whether you’re looking for savings on everyday transactions or access to elite experiences, the Emeralde Credit Card delivers unparalleled value.

With its flexible membership options, robust rewards program, and unique perks like unlimited lounge access, comprehensive insurance coverage, and specialized concierge services, this card redefines convenience and sophistication. If you’re seeking a credit card that complements your lifestyle and provides exceptional benefits, the ICICI Bank Emeralde Credit Card is worth considering.

In this review, we’ll dive into the key features, benefits, and reasons why this card might be the perfect fit for your financial and lifestyle needs.

Overview:

Type of CardLuxury Card
Joining FeesRs 12,000 + GST
Annual FeesRs 12,000 + GST*
Lounge AccessUnlimited International and Domestic Lounge Access
Welcome BenefitsBookmyShow Ticket ₹750 off, Golf Lesson, Insurance Benefits
ICICI BANK EMERALDE CREDIT CARD Review

Joining Fees : ₹12,000 + GST * (1 Condition is there)

* Please read below for the Condition

Annual Fees: ₹12,000 + GST.

Flexibility to Choose Your Membership Plan with the ICICI Bank Emeralde Credit Card

The ICICI Bank Emeralde Credit Card offers tailored membership options, allowing you to select a plan that aligns with your spending habits and preferences.

Annual Membership Plan

  • Annual Fee: ₹12,000 + GST.
  • Joining Fee: Pay ₹12,000 + GST upon joining. * This fee is reversed if your annual card spending reaches or exceeds ₹15,00,000. (All spends from the card issuance date are counted towards this threshold.)
  • Second Year Onwards: The same annual fee of ₹12,000 + GST applies. However, this fee is also reversed if you maintain annual card spends of ₹15,00,000 or more.

Monthly Membership Plan

  • Monthly Fee: ₹1,000 + GST.
  • Fee Reversal Criteria: If you spend ₹1,00,000 or more in a given month, the monthly membership fee is waived off. All card transactions from the issuance date within that month are considered.

Additional Information

For a detailed understanding of all applicable charges and terms, please refer to the Most Important Terms & Conditions (MITC).

ICICI Bank Emeralde Credit Card Features:

Enrich Your Family Time with Exclusive Offers on Movies & Events

The ICICI Bank Emeralde Credit Card brings exceptional entertainment benefits to make your family outings even more delightful. Here’s how you can take advantage of the exciting offers:

  • Buy One, Get One Ticket with Savings up to ₹750: When booking movie or event tickets through BookMyShow, enjoy up to ₹750 off on the second ticket. This offer can be availed up to four times every month, ensuring consistent savings on your family entertainment.
  • Applicable to Both Movie and Non-Movie Events: Whether it’s a blockbuster film or a captivating live event, this offer is valid on all bookings made through BookMyShow, letting you explore a wide range of entertainment options.
  • How to Avail the Offer and Terms & Conditions: To understand the process for availing these benefits and view detailed terms and conditions, simply click here.
  • Special Note for American Express Credit Cardholders: If you’re using an American Express ICICI Emeralde Credit Card, note that the upfront discount is not applied directly on the BookMyShow app or website. Instead, the applicable cashback will be credited to your account within 60 days of the transaction.

Perfect Your Swing with Complimentary Golf Rounds Every Month

The ICICI Bank Emeralde Credit Card opens the doors to an elite golfing experience, offering cardholders exclusive access and privileges at some of the most iconic golf courses in India and across the globe. Here’s how you can take advantage of this premium benefit:

  • Enjoy Complimentary Rounds or Lessons: For every ₹50,000 spent on your Emeralde Credit Card in the previous calendar month, you’ll receive a complimentary round or lesson of golf. You can earn up to 4 rounds or lessons every month, giving you ample opportunity to refine your game or simply indulge in the sport you love.
  • Access World-Class Golfing Greens: Whether you’re aiming to perfect your swing or enjoy a leisurely round, this benefit grants you entry to some of the finest golf courses, elevating your lifestyle and golfing experience.
  • How to Avail and Terms & Conditions: To explore the detailed process for availing this benefit and review the terms and conditions, please click here.

Celebrate Your Birthday in Style with a ₹5,000 Tata CLiQ Shopping Voucher

Make your birthday month extra special with an exclusive shopping treat from the ICICI Bank Emeralde Credit Card. Here’s how you can indulge:

  • ₹5,000 Tata CLiQ Shopping Voucher: Celebrate your special month with a complimentary digital shopping voucher worth ₹5,000 from Tata CLiQ. Enjoy browsing through a wide selection of products from top-notch brands, all from the comfort of your home.
  • Exclusively for American Express Cardholders: This delightful birthday benefit is available exclusively for ICICI Bank Emeralde American Express Cardholders, making your celebrations even more rewarding.
  • How to Access and More Details: To explore how you can redeem this offer and understand the detailed terms and conditions, please click here.

Enhanced Security and Protection Features of ICICI Bank Emeralde Credit Card

The ICICI Bank Emeralde Credit Card prioritizes your safety and ensures that your financial transactions remain secure through a host of advanced features and protections.

Counterfeit Card Liability

  • Protection from Fraud: Safeguard yourself against unauthorized transactions and misuse of your credit card. This liability cover ensures you are shielded from financial loss in the event of card counterfeiting or fraudulent activity.

Account Takeover Cover

  • Protection Against Identity Theft: Stay secure if your personal details are accessed and misused by a third party. This feature offers financial protection in cases of account takeovers or unauthorized control of your account details.

Chip and PIN Card Technology

  • Advanced Security Features:
    • All ICICI Bank Credit Cards are equipped with an embedded microchip that adds an extra layer of security against counterfeiting and duplication.
    • The inclusion of a Personal Identification Number (PIN) ensures secure transactions at merchant outlets.
  • Transaction Requirements:
    • Enter your PIN on the terminal for in-person purchases to complete transactions securely.
    • Note: The PIN is not required for online transactions.
  • Learn More About Chip and PIN Security:
    • To explore more about how Chip and PIN technology protects your transactions, please click here.

Enjoy Unlimited Complimentary Lounge Access for a Luxurious Travel Experience

Travel in style and comfort with the ICICI Bank Emeralde Credit Card, offering unlimited access to premium airport lounges both internationally and domestically.

Unlimited International Lounge Access

  • Global Comfort with Dreamfolks Membership: Gain unlimited complimentary access to international airport lounges through the exclusive Dreamfolks Membership Programme. Whether traveling for business or leisure, enjoy the luxury of relaxation and convenience.
  • Updated Lounge List: To find the most current list of international lounges available under this program, click here.
  • Additional Information: For lounge charges, FAQs, and detailed terms and conditions of the program, click here.
  • Learn More About Dreamfolks Card: Discover the full potential of the Dreamfolks Membership Programme at Dreamfolks Official Website.

Unlimited Domestic Lounge Access

  • Comfort at Indian Airports: Enhance your travel experience within India with unlimited complimentary access to select domestic airport lounges, ensuring every journey starts and ends in comfort.
  • Domestic Lounge List: For a complete list of lounges covered under this offer, click here.

Simplify International Travel with the ICICI Bank Emeralde Credit Card

Traveling abroad is now more convenient and cost-effective with the exclusive benefits of the ICICI Bank Emeralde Credit Card. Here’s how it makes international travel seamless:

  • Low Mark-Up Fee: Enjoy a nominal mark-up fee of just 1.5% on all international transactions, saving you money on every purchase abroad.
  • Reduced APR on Cash Withdrawals: Benefit from a significantly reduced Annual Percentage Rate (APR) of 1.99% for cash withdrawals at ATMs while traveling overseas.
  • No Hidden Fees: The card eliminates additional charges with no over-limit fees, no cash withdrawal fees, and no late payment penalties, giving you financial freedom and peace of mind during your travels.

Freedom from Cancellation Charges on Domestic Travel and Hotel Bookings

Travel plans can change, and the ICICI Bank Emeralde Credit Card ensures that cancellations don’t disrupt your finances:

  • Refund on Cancellations: Get a refund of up to ₹12,000 annually for a maximum of two transactions involving flight, hotel, or movie booking cancellations. This benefit ensures flexibility and reduces stress when plans change unexpectedly.
  • Easy Claim Process: For details on how to avail of this refund and to review the terms and conditions, click here.

Eligibility Criteria for ICICI Bank Emeralde Credit Card

To apply for the ICICI Bank Emeralde Credit Card, you must meet at least one of the following eligibility conditions:

  • Net Monthly Salary: A minimum net monthly income of ₹2,50,000.
  • Annual Income Tax Returns (ITR): Filed ITR of ₹30,00,000 or above in the latest financial year.
  • Existing ICICI Bank Global Private Client (GPC) Membership: All ICICI Bank GPC customers are automatically eligible to apply for this premium credit card.

If you satisfy any one of these conditions, you are eligible to enjoy the exclusive benefits and privileges of the ICICI Bank Emeralde Credit Card.

ICICI Bank Emeralde Credit Card Rewards & Savings:

The ICICI Bank Emeralde Credit Card is designed to make every transaction rewarding while offering substantial savings. Here’s how you can maximize the benefits:

Emeralde Credit Card Rewards

Earn ICICI Rewards Points on all your eligible spends and redeem them for exciting rewards across various categories:

  • 4 ICICI Rewards Points for every ₹100 spent on retail transactions (excluding fuel).
  • 1 ICICI Rewards Point for every ₹100 spent on utility and insurance payments.

Redeem your rewards points for a wide range of options, including:

  • Movie and travel vouchers
  • Lifestyle products
  • Mobiles and appliances
  • Much more

Massive Savings Potential

The ICICI Bank Emeralde Credit Card offers an incredible opportunity to save up to ₹2,49,011 annually, combining rewards, discounts, and exclusive benefits to enhance your financial well-being.

Start unlocking these rewards and savings today with your ICICI Bank Emeralde Credit Card.

FeatureSavings (in ₹)
Unlimited complimentary visits to international airport lounges30,400
Unlimited complimentary spa sessions at airports in India6,000
Unlimited complimentary access to Mastercard/ American Express Lounge16,000
Free cancellation on hotel, travel and movie ticket bookings12,000
Savings on markup fee and GST on international spends of 4 lakhs annually7,080
Savings on Financial charges- cash withdrawal, over limit fee1,000
4 complimentary movie/ events tickets every month with at BookMyShow18,000
Access & complimentary rounds at premier golf courses in India and abroad1,40,000
Reward points on annual spend of Rs. 12,00,000 on all retail purchases11,100
Waiver of 1% fuel surcharge on Rs. 5,000 spent every month on fuel600
Total Savings2,49,011

You can Also look to the ICICI Emeralde Private Metal Credit Card Review

ICICI Emeralde Credit Card Fees & Charges

Fees TypeAmount in (₹ only)
Joining Fees12000
Annual Fees12000 (1st Year is NIL) Charge 2nd Year Onwards
Over Limit ChargesNIL
Late Payment ChargesNIL
Foreign Transaction ChargeMark-up of 1.5% will be levied for Emeralde Credit Card
Card Replacement Fees100
Fuel Surcharge1% Waiver at all Petrol Pump for maximum ₹4000

ICICI Bank Emeralde Credit Card Concierge Services

The ICICI Bank Emeralde Credit Card offers you the convenience of personalized support through i-Assist, our 24×7 concierge service. Our dedicated team of professionals is always ready to cater to your needs, whether it’s finding the perfect gift, making restaurant reservations, organizing travel plans, or delivering movie tickets to your doorstep.

Comprehensive Concierge Services

With i-Assist, you can enjoy a wide range of exclusive services, including:

  1. Restaurant Referral and Reservations: Let us secure a table at the finest restaurants for your dining experience.
  2. Flower and Gift Assistance: From thoughtful gifts to stunning floral arrangements, our team ensures timely delivery for special occasions.
  3. Hotel Referral and Reservations: Enjoy hassle-free bookings at premium hotels for your travels.
  4. Flight Referral and Reservations: We’ll help you book the most convenient flights to match your schedule.
  5. Car Rental and Limousine Services: Travel in style with our assistance in arranging car rentals or luxury limousine services.
  6. Movie Ticket Booking and Delivery: Skip the queues—let us book and deliver your movie tickets directly to you.*
  7. Medical Concierge Privileges: In emergencies, our team can coordinate medical transportation or connect you with physicians, clinics, or dental care.**
  8. Emergency Auto Assistance: Access towing, repair, or alternative travel services in cities like New Delhi, Mumbai, Kolkata, Hyderabad, Bengaluru, and Chennai.#

Available Locations

i-Assist concierge services are currently available in:

  • New Delhi
  • Mumbai
  • Bengaluru
  • Chennai

Medical Emergency Assistance

If you require specialized medical care during an emergency, our concierge team can arrange air or surface transportation to the appropriate facility. Additionally, we can help you schedule appointments with local doctors or dentists and guide you to reliable medical services.

Emergency Auto Assistance

For vehicle-related emergencies in select cities, we provide towing services, repairs, and alternative travel arrangements to ensure minimal disruption to your journey.

Contact the i-Assist Team

Reach out to the i-Assist team at:

  • Toll-free for MTNL/BSNL users: 1800 26 70731
  • Standard call charges apply: 022 6787 2016

Experience world-class convenience and support with the ICICI Bank Emeralde Credit Card Concierge Services, making life simpler and more enjoyable.

ICICI Bank Emeralde Credit card Golf Benefit:

Elevate your golfing journey with the ICICI Bank Emeralde Credit Card, offering seamless access to complimentary golf rounds and lessons. Here’s how you can book and enjoy your golfing privileges:

How to Book Your Golf Lessons and Rounds

  1. Create Your Golftripz Account:
    • Visit www.teetimes.golftripz.com.
    • Sign up using the same email ID registered with your ICICI Bank Credit Card.
  2. Access Complimentary Golf Rounds:
    • Your complimentary golf round will be credited to your Golftripz account by the 10th day of the next month, based on your eligible card spends.
    • Play your complimentary round anytime within the next two months.
  3. Book Your Preferred Tee Times:
    • Browse available Tee Time slots at your leisure.
    • Make a booking for a time that suits you best.
  4. Track Your Bookings Online:
    • Manage and view all your golf bookings conveniently through the Golftripz platform.

Additional Resources and Information

  • Updated Golf Course List: Explore the latest list of participating golf courses by clicking here.
  • Detailed Programme Terms and Conditions: For a comprehensive overview of the Golf Programme and applicable terms, click here.

Need Assistance?

For personalized support with online bookings, contact iAssist, our 24×7 concierge service:

  • Toll-Free for MTNL/BSNL Lines: 1800-26-70731
  • Standard Call Charges Apply: 022-67872016

Emeralde Credit Card Privileges:

The ICICI Bank Emeralde Credit Card offers a range of privileges designed to enhance your lifestyle and provide unmatched value.

Fuel Surcharge Waiver

Enjoy seamless savings on fuel transactions:

  • 1% Fuel Surcharge Waiver: Applicable at any fuel outlet across India, ensuring you save every time you refuel.

ICICI Bank Emeralde Credit Card Insurance Benefit:

As a valued Emeralde Credit Cardholder, you benefit from a comprehensive insurance cover that provides peace of mind during your travels.

  • Air Accident Insurance Cover:
    • Coverage Amount: ₹3 crore, offering financial security and protection for you and your loved ones during unforeseen circumstances.

Below is an overview of the insurance benefits included with the card:

CoversEmeralde
Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection).50,000
Personal Accident due to Air (Death only)3,00,00,000
Purchase Protection1,40,000
Baggage Insurance25,000
Loss of Checked-in Baggage84,000
Delay of Checked-in Baggage21,000
Loss of Passport and travel-related documents35,000
Missing of Connecting International Flight During Transit21,000
Plane Hijacking75,000
Delay in Flight17,500
Medical Expenses for Bodily Injury caused by and arising out of Rail/Road accident.50,000
Credit Shield50,000

Disclaimer:

Please note the following important details regarding the insurance benefits offered with the ICICI Bank Emeralde Credit Card:

  1. Eligibility for Insurance Benefits:
    • The card must have been used for at least one transaction within the last 60 days prior to the event to be eligible for insurance benefits.
    • Insurance coverage applies exclusively to the Primary Card. Supplementary Cards do not carry insurance benefits.
    • Ensure that the minimum amount due on the Credit Card is paid at all times to retain insurance coverage.
  2. Travel Insurance Coverage:
    • International Travel Only: Insurance benefits are applicable for international travel and do not extend to domestic travel.
    • Ticket Purchase Requirement: The benefits apply only when tickets are purchased using the ICICI Bank Emeralde Credit Card.
  3. Insurance Provider Details:
    • The insurance coverage is provided by ICICI Lombard General Insurance Co. Ltd.
    • ICICI Bank is not responsible for processing claims. For any claim-related queries, customers should directly contact ICICI Lombard General Insurance Co. Ltd.
  4. Contact Information for Claims:
    • Toll-Free Number: 1800-2666
    • Email ID: ihealthcare@icicilombard.com
  5. Policy Terms and Conditions:
    • Insurance benefits are governed by the terms and conditions outlined by ICICI Lombard General Insurance Co. Ltd.
    • For detailed terms and conditions, please click here.

Important: Insurance is the subject matter of solicitation. Always refer to the official policy document for complete details.

Emeralde American Express Credit Card Privileges

American Express Live the World Privileges

  • Unlock exclusive global experiences with American Express Live the World.
  • Enjoy up to 50% off on dining, accommodations, and more, wherever your travels take you.
  • Discover the full range of benefits and offers by clicking here.

American Express® Connect

  • Connect to a world of unparalleled privileges across various categories, including:
    • Travel
    • Lodging
    • Dining
    • Retail
    • Online Shopping
  • Explore the latest offers available under this program by clicking here

Emeralde Mastercard Credit Card Privileges

Mastercard Moments

  • Experience life in extraordinary ways with Mastercard Moments, an exclusive programme for Mastercard cardholders.
  • Exceptional Experiences: Enjoy a curated selection of benefits and unique activities designed to inspire and enrich your lifestyle.
  • Explore the exclusive privileges and offers by visiting Mastercard Moments.

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