ICICI Bank
VISA•••• •••• •••• 4242
ICICI Bank Emeralde Credit Card
ICICI Bank Emeralde Credit Card
ICICI Bank
Annual Fee
₹12,000
Effective Rate
0.50%
Network
VISA
Point Value
₹0.50/pt
About ICICI Bank Emeralde Credit Card
1 RP/₹100 on all spends. Unlimited domestic + international airport lounge access. Complimentary golf/month on eligible spends. BoGo ₹750 off BookMyShow. ₹5,000 TataCLiQ welcome voucher (Amex variant). ₹12,000 domestic flight/hotel cancellation waiver. 24x7 concierge. Air accident ₹3Cr. 1% fuel waiver.
Best For
Pros & Cons
thumb_upPros
- check_circleUnlimited Airport Lounge Access
- check_circleComplimentary Golf Rounds/Month
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelHigh annual fee of ₹12,000
- cancelHigh annual income requirement (₹15 lakh+)
- cancelForeign transaction fee applies on overseas spends
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.50 — an effective return of 0.50% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 1% | 100 pts≈ ₹50 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the ICICI Bank rewards portal. Redemption value may vary by option.
Card Benefits
Unlimited Airport Lounge Access
Unlimited domestic and international airport lounge access for primary cardholder.
Complimentary Golf Rounds/Month
Complimentary golf rounds every month based on eligible spends.
BoGo ₹750 Off BookMyShow
Buy 1 ticket and get up to ₹750 off on 2nd ticket at BookMyShow.
₹12,000 Cancellation Waiver
No cancellation charges on domestic flight and hotel bookings (up to ₹12,000).
Air Accident Cover – ₹3 Crore
Air accident insurance cover of ₹3 crore.
24x7 Concierge Service
24x7 global concierge assistance.
1% Fuel Surcharge Waiver
1% fuel surcharge waiver on all fuel transactions.
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹10,00,000 (ANNUAL)
Annual fee waived on ₹10 lakh annual spend.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the ICICI Bank website.
| Annual Fee | ₹12,000 |
| Forex Markup | As per issuer schedule |
| Min. Income Required | ₹18,00,000 per year |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: ₹18,00,000
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about ICICI Bank Emeralde Credit Card.
Ready to apply for ICICI Bank Emeralde Credit Card?
Apply directly on the ICICI Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.