ICICI Bank Emeralde Credit Card
Features, Fees, & Benefits
Joining Fees
Rs. 1,000 + GST (per month)
Renewal Fees
Rs. 1,000 + GST (per month)
Movie & Dining : A discount of up to Rs. 750 on BookMyShow second movie/event ticket onwards (max 4 tickets per month), no cancellation charge on movie ticket cancellation (max benefit of Rs. 12,000 per year), a minimum discount of 15% at partnered restaurants under the ICICI Culinary Treats program.
Rewards Rate : 4 RPs on every Rs. 100 spent on all transactions (except fuel, utilities and insurance categories) and 1 RP on every purchase of Rs. 100 on insurance and utilities.
Reward Redemption : The earned Reward Points can be redeemed against gifts or cash credit, where 1 Reward Point = Rs. 0.25
Travel : Complimentary international & domestic lounge visits, no charge (waived up to a max of Rs. 12,000) on cancellation of flight/hotel/movie ticket bookings up to max two cancellations every year
Domestic Lounge Access : Complimentary unlimited domestic airport lounge access under the MasterCard/American Express/Visa lounge program
International Lounge Access : Complimentary unlimited international airport lounge access under the Dreamfolks program membership
Golf : Complimentary round/lesson of golf each month on a minimum spend of Rs. 50,000 in the previous month (max 4/month)
Insurance Benefits : Credit Shield insurance worth Rs. 50,000, an air accidental death cover worth Rs. 3 crore and many other insurance benefits under travel category (as illustrated later in the article)
Other Details
Tata CliQ voucher with a monetary value of Rs. 5,000 redeemable for purchases at www.tatacliq.com on your birthday (applicable for AmEx variant only)
Unlimited complimentary domestic and international airport lounge access along with complimentary spa access at select domestic airports.
Up to Rs. 750 off on purchase of second ticket onwards (up to max 4 tickets/month) on BookMyShow for all movie and non-movie ticket purchases.
Complimentary golf round/lesson on every Rs. 50,000 spent on the card in the previous month (up to max 4 rounds/lessons per month).
Nominal Foreign Currency Markup of 1.5% and a lower interest rate of 1.99% on cash withdrawals.
Reversal of cancellation charges (up to Rs. 12,000) on a max 2 transactions/year for flight/hotel/movie ticket booking.
Choice between monthly and annual plans for card membership.
Get up to 4 Reward Points every time you spend Rs. 100.
ICICI Bank Emeralde Credit Card: The Premium Credit Card for Luxury, Travel, and Rewards
Introduction
In today's fast-paced world, credit cards are not merely for the sake of convenience - they are designed to complement and enrich your life with attractive benefits that extend from cashback and rewards to travel perks and luxury experiences.
ICICI Bank Emeralde Credit Card Review
Summary of the ICICI Bank Emeralde Credit Card
If you are a frequent traveller and looking to earn rewards, there could be the right fit for you and that is by holding an ICICI Bank Emeralde credit card.
Joining and Renewal Fees
- Joining Fee: ₹1,000 + GST
- Renewal Fee: ₹1,000 + GST (per annum)
Key Highlights of the ICICI Bank Emeralde Credit Card
Reward Points Program
- 4 Reward Points for every ₹100 spent across other transactions (except for fuel, utilities and insurance payments)
- 1 Reward Point for every ₹100 spent on utilities, insurance and bill payment
- Redemption value: 1 Reward Point = ₹0.25
Travel Benefits and Lounge Access
Lounge Access
- Domestic Lounges: Unlimited access via Mastercard, Visa or American Express lounge programs
- International Lounge Access: Access to over 1,400 lounges via Priority Pass
Golf Privileges
- 1 Free Golf Round or Lesson per month (with ₹50,000 spend in previous month)
Luxury and Lifestyle Benefits
- Personal Concierge Services
- Exclusive Shopping Discounts
- Spa & Wellness Experiences
Insurance Coverage
- Air Accident Cover: ₹3 crore
- Loss of Baggage: Up to ₹84,000
- Medical Expenses: Up to ₹50,000
- Purchase Protection: Up to ₹1,40,000
- Credit Shield: Up to ₹1 lakh
Dining and Entertainment Benefits
- Dining Privileges: 15% or more off at 3,000+ restaurants via Culinary Treats Program
- BookMyShow Offer: ₹750 off on tickets/month (max 4 tickets)
ICICI Emeralde Credit Card Eligibility Criteria
- Age: 21 to 60 years
- Income (Salaried): ₹1.5 lakh/month
- Income (Self-Employed): ₹18 lakh/year
- Credit Score: Excellent required
Conclusion: Are You the Right Fit for the ICICI Bank Emeralde Credit Card?
The ICICI Bank Emeralde Credit Card is definitely one of the best premium credit cards out there today.
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