ICICI Bank Emeralde Credit Card—A Super-Premium Card

The ICICI Emeralde Credit Card serves high-income users who want strong lifestyle value in one place. It delivers premium benefits and steady rewards across daily and luxury spends. Cardholders earn up to 4 Reward Points per ₹100 on domestic and international transactions, and 1 Reward Point on utilities and insurance.

These points convert into vouchers across health, beauty, travel, electronics, home appliances, fashion, and more. The card suits customers who want broad value and convenient redemption options.

ICICI Emeralde Credit Card Benefits

These simple savings lay a solid base for a premium card.

Here are the other core benefits:

1. Lounge Privilege: Primary users enjoy unlimited entry at domestic and international lounges.
2. Golf Access: Get up to 4 complimentary golf rounds each month on eligible spends.
3. Movie Savings: Buy 1 ticket and save up to ₹750 on the second ticket via BookMyShow.
4. Birthday Gift: American Express variants offer a ₹5,000 Tata CLiQ voucher twice a year.
5. Travel Ease: Enjoy zero cancellation charges on domestic flights and hotels up to ₹12,000.
6. Flexible Limits: No over-limit fee and a lower 3.75% monthly rate on ATM cash use.
7. Concierge Desk: Reach ICICI Emeralde Credit Card 24×7 personal assistance through 1800 267 0731.
8. High Insurance Cover: Avail air accident protection up to ₹3 crore for added security.

Reward Points and Redemption on ICICI Emeralde Credit Card

The ICICI Emeralde Credit Card offers strong value with high reward earnings and flexible redemption options.

The iShop portal enhances this experience with simple access and clear reward conversions. No separate membership is needed. Any ICICI Bank customer can log in and start redeeming instantly.

1. Earn High Reward Points

• Earn 6X points on Amazon Prime, MakeMyTrip, Hamleys, Barbeque Nation, and similar partners.
• Earn up to 12X points on flights, buses, hotels, and shopping vouchers via iShop.

Note: Redeem Reward Points and iCash with a fixed value of 1 iCash = ₹1.

2. Optimised Redemption and iCash Benefits

• iShop gives strong value across travel and shopping. Flight and bus bookings can reach up to 100% value, while hotel bookings go up to 90%. Shopping vouchers offer up to 50% value.
• Net Banking adds more power with 3% iCash on flights, 6% iCash on hotels and buses, and up to 29% iCash on shopping vouchers.

Note: Redeem up to 80% iCash in one transaction.

But always pay your credit card bills in full. Download the Pice App and connect all your credit cards. Make credit card payments with a few easy clicks.

3. How to Access an iShop?

Step 1: Visit the ICICI Bank official website.

Step 2: Click iShop in the navigation bar.

Step 3: Log in with your User ID and password.

Step 4: Accept the disclaimer pop-up.

Step 5: Proceed to redeem and shop.

Concierge Service and Golf on ICICI Bank Emeralde Credit Card

The ICICI Emeralde Credit Card gives round-the-clock support through the i-Assist team. Complimentary golf rounds remain a key lifestyle feature.

1. 24x7 Concierge Assistance

• You get help with restaurant reservations, hotel and flight referrals, car rentals, and gift delivery.
• Movie ticket assistance is also available in select cities.
• The i-Assist team can arrange medical guidance and emergency transport when required.
• Auto assistance is offered in major metros for quick on-road support such as towing, repair and more.

2. Golf Programme Access

• Create a Golftripz account using your ICICI-registered email ID to unlock your free round.
• The round appears after the tenth day of the next month and stays valid for two months.
• Browse available tee times and book your slot anytime through the portal.

Note: You may also call i-Assist for booking help.

ICICI Emeralde Credit Card Eligibility

Anyone between 21-65 years of age can apply. Salaried applicants must earn at least ₹1,50,000 per month, while self-employed applicants need a minimum annual income of ₹18,00,000.

You must provide valid identity proof, an accepted address proof, and income proof as per the card rules. No physical paperwork is needed, as the entire verification process stays digital and seamless.

ICICI Emeralde Credit Card Charges

Parameters	Charges
Joining and Annual Fee	₹12,000 + GST
Forex Markup	2%
Finance Charges	3.75% per month
Card Replacement Fee	₹200
Late Payment Fee	For <₹100 - NILFor ₹100 - ₹50,000: ₹100 - ₹1300

Note: Cross the yearly spends of ₹10 lakh to receive a full waiver on the next year’s annual fee.

Things to Know About the Emeralde Credit Card from ICICI

• The card also has a higher version called ICICI Bank Emeralde Private Metal Credit Card.
• Air accident cover applies only when the card is used at least once in the previous 60 days.

Note: Insurance benefits apply only to international trips booked with the ICICI Emeralde Credit Card. These covers remain exclusive to the primary cardholder, and supplementary users do not receive this protection.

• Golf rounds appear in your account by the 10th of the next month and stay valid for 2 months.

Another important thing to know? Keep the Pice App on your phone. It alerts you before every due date and updates you when a bill is processed, pending, or fully paid.

Footnotes:

1. Call 1800 26 70731 (toll-free for MTNL/BSNL) or 022 6787 2016 to get in touch with the i-Assist team.
2. The auto assistance is available in New Delhi, Kolkata, Hyderabad, Mumbai, Bengaluru and Chennai.
3. The booking and delivery of movie tickets is currently only available in New Delhi, Mumbai, Chennai and Bengaluru.

FAQs