ICICI Emeralde Credit Card Review

After a long time I can see that finally, ICICI Bank came with an incredible credit card in India targeting the lifestyle premium credit card segment, with icici bank emeralde credit card, offers huge benefits among all the credit cards present in the Indian market, I can profoundly say that it is one of the serious contenders of HDFC Bank Infinia Credit Card nowadays which is considered as the best possible credit card in the icici credit card list.

Who can apply for icici credit card / Eligibility:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: 3 lakh monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Income tax return should be greater than Rs. 30 lakh. 
  • Good CIBIL Score. (More than 750).
  • ICICI Bank’s existing customers can upgrade to this card if their present credit limit is Rs. 6 lakh or more. 

Click here to track icici credit card application status. 

Required documents for 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. 

ICICI emeralde credit card fees:

  • Joining Fee: Rs. 12,000 + GST
  • Annual Fee: Rs. 12,000 + GST, this card also provides a monthly fee option which is Rs. 1000 + GST. 

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. 

ICICI emeralde credit card benefits:

  • Welcome benefit:

On Spending 2 lakhs within the first 2 months of joining icici credit card customer will get a complimentary gift voucher worth Rs.5000 as a welcome gift. 

    If you want to change your mailing address then click here to download the icici credit card application form.

  • Reward benefit:

This card offers 4 PAYBACK Points for each Rs. 100 retail spends and 1 PAYBACK Point for the same on Utilities and other expenses.

 You can check your total earned reward points form your icici credit card statement or from your icici bank credit card netbanking/mobile banking account. 

Click here for icici credit card points redemption charge and other related terms and conditions. 

  • ICICI emeralde credit card lounge access:

Enjoy unlimited complimentary access to domestic and international airport lounges.

Also, it offers unlimited Boingo WiFi services across the globe. 

This card also offers unlimited complimentary domestic airport spa access.

  • Hotel booking :

You will get a refund of up to Rs. 12000 for a maximum of 2 transactions every year on any flight/hotel/movie booking cancellation.

  • Bookmyshow icici credit card offers:

When you 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 in a billing cycle of icici credit card

Click here for icici credit card movie ticket offer timings and recent updates on offers. 

  • Dining benefit:

Under the ICICI Culinary Treats program, you will get up to a 15% discount on your dining bill. Visit www.culinarytreats.com for the list of participating hotels. You can get a personal loan on icici credit card, click here to know the process. 

  • Golf access:

 This icici bank emeralde credit card offers access to the most iconic golfing greens within and outside India, with some complimentary round of golf on every Rs. 50,000 or more spent on the card every month, up to a maximum of 4 rounds every month.

  • Fuel surcharge waiver:

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

  • ICICI bank emeralde credit card lifestyle benefits:

The cardholder can enjoy 50% off on the annual membership fee of Gold Gym, (at all company-owned outlets across the country. Also get a complimentary consultation from a dietician.) 

With the Amex card, you will get 30% off on your annual membership In Talwalkars Gym. 

This card offers buy 1 get 1 across all beauty services at VLCC.

To get a complimentary Hair and Scalp check-up at Richfeel worth Rs. 1,000.

In Kaya Skin Clinic get Rs. 1,000 off on bill amount.

  • Insurance coverage:

This icici bank emeralde credit card comes with a personal air accidental coverage of Rs. 3 crores, and a baggage insurance coverage of Rs. 50,000.

You will also get $500 coverage against loss of travel documents and $1200 coverage against loss of checked-in baggage. 

Click here for icici bank credit card terms and conditions related to ICICI credit card insurance coverage. 

  • Offers of the icici amex credit card variant:

On the American Express variant, you will get a 15% discount on O2 Spa, and up to 20% discount on making charges at Joyalukkas. 

  • Fee Waiver:

If you can spend Rs. 15 lakh with your card in a year, then the annual fee of your card will be waived off for the next year. And if you are using the monthly plan then you will get a waiver on your monthly fee on spending Rs. 1 lakh in a icici credit card billing cycle

  • Lost card liability:

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

  • Concierge service:

This card comes with 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. 

  • EMV chip and PIN security: 

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

ICICI credit card charges:

  • Cash Advance Charge: There is no withdrawal charge with this card, but you have pay an interest of 1.99% annually. But before making a withdrawal check your icici credit card limit to avoid the over limit penalty. 
  • Finance Charge: 3.4% monthly. (Applicable if the total icici credit card outstanding amount is not cleared within the icici credit card due date)
  • Foreign currency transaction: 1.5% against the transaction amount. 
  • Add on 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

What is icici credit card customer care number?

ICICI credit card helpline toll free number: 1860-120-7777

ICICI bank credit card mail id: You can mail the service authority just by visiting their complaint page.  

100xGain Ratings:


Final Opinion:

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 annual fee of the card 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 reward benefit offered by the card 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 card then take a look at some of the similar card options given below. 

Alternative cards: 

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