Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • ICICI Emeralde Credit Card

    The ICICI Bank Emeralde Credit Card is a premium card specifically curated by the bank to cater to the lifestyle needs of its customers. However, this credit card offers a wide range of not only lifestyle benefits, but its features are spread across other categories as well such as entertainment, dining, fuel, etc. The card comes in two types – MasterCard and American Express. This credit card comes with an annual fee of Rs.12,000, a monthly membership fee of Rs.1,000 and an interest rate of 3.4%

    Key Highlights of the ICICI Bank Emeralde Credit Card

    • A discount of Rs.750 is given on the second movie ticket on the purchase of one ticket.
    • Complimentary rounds of golf every month.
    • Birthday dining gift voucher of Rs.7,500 from Trident Hotels on the American Express card.
    • Complimentary Dreamfolks DragonPass Membership allowing cardholders complimentary access to spa services at domestic airports.
    • 50% discount given on annual membership fee of Gold’s Gym across all states.
    • Complimentary domestic and international lounge access.

    Features and Benefits of the ICICI Bank Emeralde Credit Card

    Lifestyle Benefits
    • 50% discount on the annual membership fee at Gold’s Gym with your Amex Emeralde credit card.
    • A discount of 30% given on the annual membership fee at Talwalkar’s with the Amex card.
    • Avail a 1+1 offer on beauty services offered at VLCC.
    • Get complimentary hair and scalp services at Richfeel worth Rs.1,000.
    • Get a discount of Rs.1,000 on minimum spends of Rs.1,000 at Kaya Skin Clinic.
    • Unlimited and complimentary access to spas at domestic airport lounges with Dreamfolks DragonPass membership.
    Dining Benefits
    • Avail a discount of 15% on selected restaurants as a part of the Dining Delights Program.
    Reward Point Benefits
    • 4 Payback points on every Rs.100 spent on all retail transactions.
    • 1 Payback point on every Rs.100 spent on other spends and utilities.
    Entertainment Benefits
    • On purchasing one ticket, get a discount of Rs.750 on the second ticket.
    • This is valid on all movie and non-movie bookings made on BookMyShow.
    Travel Benefits
    • Get a refund of up to Rs.12,000 on cancellations of hotel, flight or movie bookings.
    • Maximum of 2 cancellations allowed.
    • Get complimentary access to domestic lounges with the Dreamfolks DragonPass membership.
    • Complimentary access given for international airport lounges to the cardholder.
    • Free access to the airport and in-flight Wi-Fi services.
    • Air insurance coverage of Rs.3 crore.
    American Express Benefits (Applicable only on Amex Card)
    • 15% discount given on all services at O2 Spa.
    • A discount of 20% given on gold making charges at Joyalukkas.
    Spend-based Benefits
    • 4 complimentary rounds of golf at participating golf courses in the world on spending Rs.50,000 in the first month.
    • With your Amex Emeralde credit card, get a meal voucher from Trident Hotels worth Rs.7,500.
    • On spending Rs.2 lakh in the first 2 months, get a gift voucher worth Rs.5,000 from Da Milano.
    • The annual fee is waivered on spending Rs.15 lakh in a year.
    • The monthly membership fee is waivered on spending Rs.1 lakh in a month.

    ICICI Bank Emeralde Credit Card Limit

    The credit limit for the Emeralde card is assigned at the discretion of the bank. Since this is a premium credit card, there are a number of additional factors which ICICI Bank will consider before assigning the limit. Apart from the annual income of the applicant, the credit score, the credit report, the credit utilisation ration along with the record of past debts and repayment habits of ongoing debts will be checked before the credit limit is assigned.

    Fees and Charges of the ICICI Bank Emeralde Credit Card

    Type of Charge Fee
    Annual Fee (one time) Rs.12,000
    Renewal Fee (per annum) Rs.12,000
    Chargeslip request Rs.100 per request
    Add-on Card Fee (per annum) Nil
    Finance Charges 3.4%
    Cheque payment fee Rs.100 per cheque
    Cash advance fee 1.99% per annum on the advance amount
    Overlimit charges Nil
    Foreign currency transaction 1.5%
    Card Replacement Fee Rs.100

    Eligibility Criteria for the ICICI Bank Emeralde Credit Card

    The eligibility criteria of a credit card are dependent on a range of factors. Check out the primary eligibility criteria for credit cards.

    Nationality The applicant must be a citizen of India or a non-resident Indian.
    Credit Score A good CIBIL score is a major factor in getting the card application approved.
    Employment status He or she must be either be salaried or self-employed with a steady source of income.
    Age The primary applicant must be least 18 years old. The minimum age to apply for a card can be 21 years as well.
    Income For the Emeralde credit card, the primary cardholder must have a net monthly income of Rs.3 lakh.

    Documents Required for the ICICI Bank Emeralde Credit Card

    Identity Proof Income Proof Proof of Address
    Aadhaar Card Form 16 Ration Card
    Voter ID IT Returns Voter ID
    Driving License Salary Slips Passport
    - - Aadhaar Card

    The documents mentioned above can change depending on the bank. Some banks may ask for additional documents depending on the requirement.

    Steps to Apply for the ICICI Bank Emeralde Credit Card

    Step 1: Visit the website of ICICI Bank.

    Step 2: Click on cards and select the option ICICI Bank Emeralde Credit Card.

    Step 3: Select the option of ‘Apply Now’.

    Step 4: Check the details and the documents which need to be submitted and upload them as instructed.

    Step 5: Once done, click on submit and the application will be sent.

    ICICI Bank Emeralde Credit Card FAQs

    1. What is the ICICI supplementary credit card?

      The ICICI Bank supplementary credit card is an add-on card which can be given to the family members of the primary cardholder who are above the age of 18. This credit card will carry the benefits of the primary card and the statement will be sent to the primary cardholder.

    2. How can I get my ICICI Emeralde credit card statement online?

      You can get the ICICI Emeralde Bank credit card statement through net banking or the iMobile Application.

    3. Can we withdraw money from ICICI Bank Emeralde credit card?

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

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