ICICI Emeralde Credit Card Review

The icici bank emeralde credit card is one of the most pristine credit cards offered by ICICI bank. Targeting the notch section of Indian credit card users, this icici gemstone credit card offers unlimited free access to domestic and international airport lounges, free movie tickets every month, exclusive discount on dining expenses, complimentary golf rounds, and lots more. In fact, I can profoundly say that it is one of the serious contenders of hdfc infinia credit card nowadays which is considered the best premium card in India. 

Who can get an icici emerald credit card?

  • Resident Type: Indian. 
  • ICICI emeralde credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • Income: 3 lakh monthly. 
  • ICICI bank emeralde credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Income tax return should be greater than Rs. 30 lakh. 
  • An excellent CIBIL Score (More than 750) is mandatory to apply for this icici gemstone credit card.
  • ICICI Bank’s existing customers can upgrade to the icici bank emeralde card if their present credit limit is Rs. 6 lakh or more. 

As you submit your icici bank credit card application, you will get a unique application number. You can use that application number to track icici credit card application status.

What documents are required for an icici credit card application?

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of the last 3 months 
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report. 

What are the icici emeralde credit card fees?

  • ICICI emeralde credit card joining fee: Rs. 12,000 + GST
  • ICICI emeralde credit card annual fee: Rs. 12,000 + GST, this card also provides a monthly fee option which is Rs. 1000 + GST. 

As per the new RBI regulations, all new icici bank cards are delivered in an inactive state. So, if you want to know how to activate icici credit card for the first time, then feel free to visit our FAQ page for the complete icici credit card activation process. 

What are the icici bank emeralde credit card benefits?

  • Get rewarded for every transaction you make:

This icici bank emeralde credit card features 4 icici payback rewards for each Rs. 100 retail spends and 1 PAYBACK Point for the same on Utilities and other expenses.

You can check your total earned payback rewards from your icici credit card statement or from your icici bank credit card net banking/mobile banking account. Click here for icici credit card points redemption charge and other related terms and conditions. 

  • Travel comfortably with complimentary lounge access:

Using your icici emeralde credit card, you can enjoy unlimited free access to domestic and international airport lounges along with premium privileges. The details are given below.



Service Provider

Domestic airport lounge access


American Express and MasterCard

international airport lounges 


Dream folks lounge program 

Domestic airport spa access 



You will also get some additional facilities like in-flight Wifi access, unlimited free access to boingo wifi hotspots, etc. 

  • Attractive hotel-booking benefits to make your vacations wonderful:

On canceling your flight, hotel, or movie tickets, you can get a refund of up to Rs.12,000, this icici bank credit card offer is applicable for a maximum of 2 times every year. The booking should be done using this emeralde credit card

  • Make your evenings entertaining with exclusive deals on movie tickets:

If you use this icici bank credit card to book Movie/non-movie tickets from BookMyShow you will get up to Rs. 750 off on the second ticket. You can avail of the benefit 4 times a billing cycle of icici credit card. Click here for icici credit card movie ticket offer timings and recent offerings. 

  • Enjoy exclusive deals on dining experience:

Under the icici culinary treats program, you will get up to a 15% discount on your dining bill. Click here for the icici culinary treats restaurants list.

  • Enjoy your weekends with complimentary golf rounds:

Every time you spend Rs.50,000 with your icici bank emeralde credit card you can get one complimentary golf round at most of the frontline golf courses in India. You can get a maximum of 4 free golf rounds every year.

  • Enjoy freedom from fuel surcharges:

This icici card offers a 1% waiver on fuel surcharges at any fuel station in India. 

  • Enjoy exclusive deals on lifestyle categories:

Your emerald icici credit card comes with exclusive deals on lifestyle categories. 



Anytime fitness gym membership (only for the icici emeralde amex card)

  • 15% discount on annual membership
  • 10% discount on half-yearly membership.
  • 2-day trial pass

VLCC appointment booking(only for the Amex variant)

Flat Rs.500 off on booking value

  • Get exclusive deals on your birthdays:

Every year on your birthday icici bank will gift you with a Tata CLiQ voucher. The icici bank gift vouchers are valid for six months.

  • Complimentary insurance coverage to stand for you:

This icici super premium credit card can also support you in case of unfortunate events.


Total coverage amount

Personal accidental insurance coverage   

Rs.3 Cr.

Credit shield


Baggage insurance coverage


Loss of travel documents. 


Misplacement of checked-in baggage 


Delay in baggage


Flight missing


In case of a flight hijack

$250 per hour, max 12 hours. 

Flight delay

$250 per hour, max 12 hours. 

Click here for the complete icici bank credit card terms and conditions.

  • Exclusive offers from American express:

You can earn some extra network benefits from the icici emeralde amex variant. The details are given below.



Services at O2 Spas

15% discount 

Gold making charges at Joyalukkas

20% discount

Dining and hotel booking 

Up to 50% discount 

  • Get an opportunity to make your card lifetime free:

If you can spend Rs. 15 lakh with your card in a year, then the icici emeralde credit card annual fee will be waived off for the next year. 

And if you are using the monthly plan then you will get a waiver on your icici credit card monthly charges on spending Rs.1 lakh in an icici credit card billing cycle

  • Complimentary lost card liability coverage to support you:

This emeralde credit card comes with lost card liability coverage of Rs. 50,000. To avail of the maximum benefits of the coverage, report and deactivate icici credit card just by calling the icici credit card help line number as soon as you notice it. You may need to provide some icici credit card information to the service authority. 

  • A multilingual concierge service to assist you:

This icici bank emeralde credit card features a world-class concierge service, you can get assistance from them for hotel and restaurant reservations, booking movie tickets, gift delivery, etc. For any assistance call the icici credit card helpline no given below. 

  • Security of the advanced EMV chip: 

This card comes with the advanced EMV chip and 3d secure icici credit card PIN, which makes this card more secure. 

What are the icici bank emeralde credit card charges?


Payable amount 

ICICI emerald credit card charges for cash withdrawal.

There is no withdrawal charge with this card, but you have to pay an interest of 1.99% annually. But before making a withdrawal check your icici emerald credit card limit to avoid the over-limit penalty

ICICI credit card finance charges

3.4% monthly. (Applicable if the total icici credit card outstanding amount is not cleared within the icici credit card due date)

ICICI international credit card transaction fee

1.5% against the transaction amount.

ICICI add on credit card fee

For add on credit card icici bank charges nothing on this card

If you want to know icici credit card statement password format then feel free to visit our FAQ page

How to contact the icici emeralde credit card customer care department?

100xGain Ratings:


Pros and cons of the icici emeralde credit card:



  • You will get unlimited free access to domestic and international lounges with this icici bank credit card.
  • This icici emeralde credit card features a big discount on dining expenses.
  • You can also enjoy some complimentary golf rounds every month.
  • The icici bank emeralde credit card fees are well justified.
  • This emeralde icici credit card doesn’t have any shopping benefits.

Final Opinion:

The icici bank emeralde credit card is a well-crafted credit card for lifestyle benefits. For the high spenders, this card brings a lot of exclusive benefits like unlimited free lounge access, free golf rounds, a big benefit on dining & movies, insurance & lost card liability coverage, etc. 

But there are some major drawbacks of this card, first of all, the icici emeralde credit card annual fee is quite high compared to other premium cards. And to get a waiver you have to spend Rs. 15 lakh in a year or Rs. 1 lakh in a month. Secondly, the rate of earning icici bank payback points is way too low, but it does not matter if you value the other benefits most. 

So if your budget is now allowing you to get this emeralde credit card then take a look at some of the similar card options given below. 

Alternative cards of the emeralde icici bank credit card

  1. Axis bank vistara signature credit card (Best for lounge access and dining)
  2. ICICI visa signature credit card (Best for lounge access and dining)
  3. Kotak mahindra feast gold credit card (Best for its balance transfer feature and dining related benefits)
  4. Yes first exclusive credit card (Best for lounge access and movie benefits)

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