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%
|Reward Point Benefits||
|American Express Benefits (Applicable only on Amex Card)||
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.
|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|
|Cheque payment fee||Rs.100 per cheque|
|Cash advance fee||1.99% per annum on the advance amount|
|Foreign currency transaction||1.5%|
|Card Replacement Fee||Rs.100|
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.|
|Identity Proof||Income Proof||Proof of Address|
|Aadhaar Card||Form 16||Ration Card|
|Voter ID||IT Returns||Voter ID|
|Driving License||Salary Slips||Passport|
The documents mentioned above can change depending on the bank. Some banks may ask for additional documents depending on the requirement.
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.
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.
You can get the ICICI Emeralde Bank credit card statement through net banking or the iMobile Application.
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.
Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.