Arjun Mehta was always on the move, from business meetings and international trips to high-profile events. But luxury often came at a cost: long waits, hidden fees, and last-minute hassles. That changed the day he got the ICICI Bank ICICI Emeralde Credit Card.

It was at the airport when he first experienced it. He entered a private lounge and sipped his coffee peacefully rather than scurrying for a secluded spot. His reservations for hotels and flights? This is already taken care of by the round-the-clock concierge service.

The benefits continued in London. He spent wisely because there was just a 1.5% foreign exchange markup cost, and he could withdraw money at any moment because there were no fees.

He used BookMyShow’s “Buy One Get One” promotion to take his family to a movie while they were back in Mumbai. He received a free round of golf the following weekend as a thank-you for his consistent spending.

Arjun’s life felt effortless in weeks thanks to fine food, first-rate experiences, and smooth financial gains. His lifestyle was improved with the ICICI Emeralde Credit Card, not simply his wallet.

Key Highlights of ICICI Emeralde Credit Card

Experience Extravagance:

Enjoy exclusive offers on movies and events to enrich your family time.
Avail complimentary rounds of golf every month.
Celebrate your birthday month in style with a ₹5000 shopping voucher from Tata CLiQ.

Experience Convenience:

Get unlimited complimentary access to international lounges.
Enjoy unlimited complimentary access to domestic lounges.

Experience Independence:

Travel internationally with just one card, offering unmatched convenience.
No cancellation charges on domestic travel and hotel bookings.
Flexibility to select your preferred membership plan.

ICICI Emeralde Credit Card Cashback and Rewards

Category	ICICI Rewards Points Earned	Notes
Retail Transactions	4 points per ₹100 spent.	Excludes fuel purchases
Utilities and Insurance Payments	1 point per ₹100 spent	Lower rewards rate for these categories.
Fuel Transactions	No reward points	Fuel transactions are excluded from the rewards program.

Redeeming ICICI Rewards Points

Redemption Options	Details
Travel and Movies Vouchers	Redeem Points for travel bookings and movie tickets
Lifestyle Products	Use points to get branded lifestyle products
Mobiles and Appliances	Convert points into discounts on electronics and appliances.

Important Note

No direct cashback is offered, but reward points can be redeemed for valuable perks.
The card focuses on luxury benefits like airport lounge access, concierge services, and premium experiences.

ICICI Emeralde Credit Card Pros and Cons

The super-premium ICICI Bank ICICI Emeralde Credit Card is intended to improve its users' quality of living. Here is a summary of its benefits and things to think about:

Pros:

Exclusive Lifestyle Benefits: You enjoy unlimited access to premium airport lounges worldwide, providing a comfortable travel experience.
Generous Credit Limit: Benefit from a higher credit limit, offering substantial financial flexibility for various needs.
Great Lifestyle Privileges: Access exclusive benefits, including premium dining experiences and luxurious golf courses, making every moment special.
Rewarding Loyalty: Earn valuable reward points on every transaction, which can be redeemed for various benefits, enhancing the value of your spending.
Global Acceptance and Convenience: You will experience the best convenience during domestic and international transactions, ensuring seamless financial management.

Cons:

High Annual Fee: The card comes with a joining fee of ₹10,000 and an annual fee of ₹10,000 from the second year onwards, which may be considered steep for some users.
Interest Rates: The interest on extended credit or overdue payments is 3.67% per month (44% per annum), which is relatively high compared to other credit cards.
Cash Advance Charges: A cash advance transaction incurs a charge of ₹500 or 2.5% of the transaction amount, whichever is higher, along with interest charges, making it an expensive option for accessing cash.
Supplementary Card Fee: Each supplementary card has a fee of ₹250, which can add up if multiple supplementary cards are issued.
Eligibility Criteria: The card is designed for individuals with a high income and excellent credit history, which may limit its accessibility to a broader audience.

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The ICICI Bank ICICI Emeralde Credit Card provides several high-end perks for those with substantial assets looking for convenience and luxury. However, carefully analyse the accompanying charges to ensure they fit your spending patterns and financial preferences.

ICICI Emeralde Credit Card Fees and Charges

Type	Details
Joining Fee	₹10,000
Annual Fee	₹10,000 (waived if annual spending exceeds ₹8,00,000)
Interest Rate	3.67% per month (44% per annum)
Cash Advance Fee	₹500 or 2.5% of the transaction amount (whichever is higher)
Late Payment Fee	Up to ₹1,000 (varies based on outstanding balance).
Duplicate Statement Fee	₹100 per statement
Supplementary Card Fee	₹250 per card
Foreign Currency Transaction fee	1.5% of the transaction amount

The joining and annual fees can be considered high, so users should evaluate their spending habits to ensure they can take full advantage of the card’s benefits.

The interest rate on unpaid balances is relatively high, so paying off the total outstanding amount each month is advisable to avoid incurring additional charges.

Eligibility Criteria of ICICI Emeralde Credit Card

Criteria	Requirement
Salary	₹1,50,000 or above net monthly salary income
Annual Income Tax Returns Filed	₹18,00,000 or above yearly income tax returns filed
Other Eligibility	All existing ICICI Bank Global Private Client customers are eligible to apply for the card
Eligibility Condition	At least one of the above conditions must be satisfied to apply

Required Documents to Apply for ICICI Emeralde Credit Card

To validate your identity, address, and income, you must submit certain documents while applying for the ICICI Bank ICICI Emeralde Credit Card.

Proof of Identity (Any one of the following)

Aadhaar Card
Passport
Voter ID
Driving Licence

Proof of Address (Any one of the following)

Utility Bills (Electricity, Water, Gas)
Passport
Aadhaar Card

Proof of Income:

Latest Salary Slips
Recent Bank Statements

Additional Documents:

PAN Card or Form 60
Recent Passport-Size Photographs

Precise documents will facilitate a smooth application procedure. For more specific information, you can consult ICICI Bank's official guidelines about credit card eligibility and required documentation.

How to Apply for an ICICI Emeralde Credit Card

Here is a step-by-step guide to applying for an Emerald credit card:

Step 1: Visit the official website of ICICI ICICI Emeralde Credit Card.

Step 2: Locate the "Cards" menu in the header section.

Step 3: Select the "ICICI Emeralde Credit Card" option.

Step 4: On this page, you can avail yourself of the following benefits:

Unlimited complimentary domestic and international lounge access.
Buy One Get One (BOGO) offers movie and event tickets, up to four times every month, on tickets worth up to ₹750.
Up to four complimentary rounds of golf, based on the applicable spending in the previous month.
The joining fee is ₹12,000 + GST, and the annual fee is ₹12,000 + GST.

Step 5: Click the "Apply Now" button on the page.

Step 6: You will be redirected to a new page where you need to enter the following details:

Step 7: Enter your mobile number, PAN card number, date of birth, and employment type, and then click on "Continue" to proceed.

Insurance Coverage for Your Peace of Mind

Insurance Coverage	Amount
Personal Air Accident Insurance	₹3 Crore
Credit Shield	₹50,000
Baggage Insurance	Up to ₹25,000
Travel Documents Loss	$500
Loss of Checked-in Baggage	$1,200
Delay in Receipt of Checked-in Baggage	$300 (in excess of 12 hours)
Missing Flight Due to Trans-shipment	$300
Plane Hijacking	$250 per hour (up to a max of 12 hours)
Flight Delay	$250 (over 12 hours)
Lost Card Liability	₹50,000 (2 days pre-reporting & 7 days post-reporting)

ICICI Emeralde Credit Card Customer Care

You can contact ICICI Bank customer service using the following methods if you need help with your
ICICI Emeralde Credit Card:

General Customer Care Number

Phone: 1800 1080

This toll-free number, including credit card services, is available for personal banking enquiries.

Concierge Services

Exclusive concierge services are available to ICICI Emeralde Credit Card holders. For help making reservations for meals, travel, and other specialised services:

Toll-Free (MTNL/BSNL): 1800 26 70731
Standard Call Charges Apply: 022 6787 2016

You can reach the i-Assist staff, which specialises in concierge support, by calling these numbers.

Email Support

For written correspondence or specific inquiries, you can email:

Email: customer.care@icicibank.com

This email address is available for general customer service queries.

Additional Support

You can go to the Track Applications page to keep track of applications or service requests.

Also Read - ICICI Credit Card – Top Variants, Features & Application Process

For quick assistance, please ensure you have your personal identification number and payment card information on hand when contacting customer service.

Conclusion

For individuals looking for exclusivity and luxury, the ICICI Bank ICICI Emeralde Credit Card is a high-end option. It provides gourmet dining, golf privileges, an extensive rewards program, and unrestricted access to airport lounges. Even though it offers comprehensive insurance and worldwide ease, one should consider the hefty costs and interest rates. This card improves lifestyle experiences and is perfect for heavy spenders. For more details, visit the website.

FAQs Related to ICICI Bank ICICI Emeralde Credit Card

Q. What is the ICICI supplementary credit card?

Family members of the principal cardholder who are older than 18 may be granted the ICICI Bank supplementary credit card, which is an add-on card. The benefits of the primary card will be carried over to this credit card, and the original cardholder will receive the statement.

Q. Can we withdraw money from the ICICI Bank ICICI Emeralde Credit Card?

Yes, a pre-decided amount can be withdrawn with any ICICI Bank ICICI Emeralde Credit Card. A certain percentage of the credit limit as decided by the bank can be withdrawn.

Q. Who is eligible for the ICICI ICICI Emeralde Credit Card?

The ICICI Emeralde Credit Card from ICICI Bank is intended for people who fulfil certain requirements. Although the specific requirements for this premium card are not made public by the bank, the following are typical qualifying requirements for ICICI Bank credit cards:

Age: Applicants are typically required to be between 21 and 60 years old.
Income: A steady and adequate income is necessary. Particularly with premium cards like the Emeralde, there may be monthly or yearly income requirements.
Credit History: A strong credit score and a history of responsible credit usage are crucial for approval.
Residential Status: As long as they produce the required paperwork, both resident Indians and non-resident Indians (NRIs) are eligible to apply.

Other requirements can be applicable because the ICICI Emeralde Credit Card is exclusive. To get the most precise and current information, it is best to get in touch with ICICI Bank directly or visit their official website.

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