MyFinCards
Emeralde

Joining Fee

₹12,000

Annual Fee

Rs. 12000 (Reversed on annual spends of Rs. 10 Lakhs)

Forex Markup

2% + GST

INTERNATIONAL
ICICI Bank
Lifestyle
Travel
Rewards
Best For: Frequent flyers, Luxury lifestyle seekers, Golf enthusiasts, International travellers, High spenders

Emeralde

Rewards Structure

Base Reward Rate

4% on spends

Point Value

1 Point = ₹1

Pros

  • Unlimited domestic and international airport lounge access
  • Up to 4 complimentary golf rounds per month
  • BookMyShow Buy One Get One offer up to 4 times monthly
  • Air Accident Insurance of ₹3 crore
  • No cancellation charges on travel bookings (up to ₹12,000, twice a year)
  • 2% reduced forex markup
  • 1% fuel surcharge waiver
  • 24x7 concierge service
  • Annual fee waived on spending ₹10 lakh+

Cons

  • High joining and annual fee of ₹12,000 + GST
  • Golf benefit requires ₹50,000 spend per month
  • TATA CLiQ birthday voucher only for AMEX cardholders
  • Air Accident Insurance covers international travel only
  • Insurance requires card usage at least once in 60 days prior to incident

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Unlimited lounge access applies only to primary cardholder

Golf rounds credited by 10th of following month, usable in next two months

TATA CLiQ birthday voucher restricted to American Express cardholders

Annual fee waiver requires ₹10 lakh+ annual spend

Air Accident Insurance only for tickets purchased using the credit card

Key Benefits & Features

No cancellation charges on domestic flight and hotel bookings, up to ₹12,000, twice every year.

Eligibility Criteria

Min. Annual Income

₹18.0 Lakhs

Age Requirement

21+ Years

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

Proof of identity

ADDRESS Proof

Proof of address

INCOME Proof

Income Proof
Official Terms & Conditions

About Emeralde

The ICICI Bank Emeralde Credit Card is designed for those who appreciate the finer things in life, offering a premium suite of benefits tailored to luxury lifestyle seekers, frequent travellers, and golf enthusiasts. Cardholders enjoy unlimited complimentary access to both domestic and international airport lounges, with Priority Pass membership granting entry to over 1,400 lounges across 145 countries. For travel bookings, the card waives cancellation charges on domestic flights and hotel reservations twice a year, up to ₹12,000, and applies a reduced 2% forex markup on international transactions. Beyond travel, the Emeralde Credit Card rewards entertainment and leisure generously. A Buy One Get One offer through BookMyShow provides up to ₹750 off a second movie ticket, available four times monthly. Golf enthusiasts can enjoy up to four complimentary rounds or lessons each month based on eligible spends. American Express Cardholders also receive a ₹5,000 TATA CLiQ shopping voucher as a birthday benefit. Reward points are earned at 4 points per ₹100 on domestic and international spends, redeemable across travel, shopping, electronics, and lifestyle categories. Additional perks include a 1% fuel surcharge waiver, air accident insurance coverage of up to ₹3 crore, and a 24x7 concierge service. The annual fee of ₹12,000 is waivable upon spending over ₹10 lakh in a year.

Expert Review

Our Verdict

Premium lifestyle card with unlimited lounge access, golf rounds, movie offers & air accident cover.

Frequently Asked QuestionsAbout Emeralde

ELIGIBILITYWhat is the age limit to apply for the Emeralde Credit Card?
You must be between 21–65 years of age to be eligible to apply for the ICICI Bank Emeralde Credit Card. Additionally, salaried individuals must have a monthly income of ₹1,50,000 or more, while self-employed applicants must have an annual income of ₹18,00,000 or more.
FEESWhat are the joining and annual fees for the Emeralde Credit Card?
The Emeralde Credit Card has a joining fee of ₹12,000 + GST and an annual fee of ₹12,000 + GST. However, if you spend over ₹10 lakh in a year, your annual fee will be waived for the following year. Finance charges and ATM withdrawal interest are charged at 3.75% per month.
FEESHow can I get my Emeralde Credit Card annual fee waived?
You can get your Emeralde Credit Card annual fee waived for the next year by spending over ₹10 lakh in the current year. This makes the card effectively free for high spenders who meet this threshold. The waiver applies to the ₹12,000 + GST annual fee charged each year.
BENEFITSWhat are the golf privileges offered with the Emeralde Credit Card and how can I avail them?
As an Emeralde Credit Cardholder, you are eligible for a complimentary golf round or lesson for every ₹50,000 spent on retail purchases in the previous calendar month. You can avail a maximum of 4 complimentary rounds per month. Book through the Golftripz website at www.teetimes.golftripz.com using the same email ID registered with your ICICI Bank Credit Card. Benefits are credited by the 10th of the following month and are valid for two months.
BENEFITSHow to avail complimentary international airport lounge access with the Emeralde Credit Card?
Cardholders who applied on or after 15 November 2024 receive a complimentary Priority Pass Membership, providing access to 1,400+ lounges in 145+ countries. Those who applied before 15 November 2024 receive a DreamFolks Membership with access to 650+ lounges in 100+ countries. Simply present your respective membership card at participating international lounges. Complimentary access is available only for the primary Cardholder.
BENEFITSWhat are the criteria for availing domestic airport lounge access?
The primary Cardholder of the Emeralde Credit Card can enjoy unlimited complimentary access to domestic airport lounges across India. To avail this benefit, simply swipe your ICICI Bank Emeralde Credit Card at the lounge entrance. There is no cap on the number of domestic lounge visits per month. You can view the complete list of eligible domestic lounges on the ICICI Bank website.
BENEFITSDoes the Emeralde Credit Card provide discounts on movie tickets?
Yes, the Emeralde Credit Card offers a BookMyShow benefit where you buy one ticket and get up to ₹750 off on the second ticket. This offer is available up to 4 times every month, making it an excellent perk for movie enthusiasts. To book tickets and view detailed terms and conditions, visit the BookMyShow platform.
BENEFITSWhat Air Accident insurance coverage is provided with the Emeralde Credit Card?
The primary Cardholder is entitled to Air Accident insurance coverage of ₹3 crore. This benefit applies only when the card has been used at least once in the 60 days prior to the incident. Importantly, the insurance covers international travel only, and the air tickets must be purchased using the Emeralde Credit Card. Supplemental Cardholders are not eligible for this insurance coverage.
BENEFITSWhat are the key features of the concierge service offered with the Emeralde Credit Card?
The Emeralde Credit Card provides a 24x7 concierge service (i-Assist) that assists with restaurant reservations, flower and gift deliveries, hotel and flight bookings, car rentals, and movie ticket delivery. It also offers emergency auto assistance and medical concierge support. You can reach the i-Assist team by calling 1800 26 70731 (toll-free for MTNL/BSNL) or 022 67872016 (standard call charges applicable).
REWARDSHow do I redeem reward points on the Emeralde Credit Card?
You can redeem your Emeralde Credit Card reward points by logging into ICICI Bank Net Banking or the iMobile app and navigating to the 'Rewards' section. Points can be redeemed across multiple categories including electronics, lifestyle, luxury, shopping, travel and luggage, health and beauty, home appliances, and fashion. You earn 4 points per ₹100 on domestic and international spends, and 1 point per ₹100 on utility and insurance spends.
INTERNATIONALWhat is the forex markup fee on the Emeralde Credit Card for international transactions?
The Emeralde Credit Card charges a reduced forex markup fee of 2% on international transactions. This is lower than many standard credit cards, making it a cost-effective option for frequent international travellers. The card also provides unlimited international airport lounge access and Air Accident Insurance for international travel, further enhancing its value for global use.
BENEFITSWhat is the fuel surcharge waiver offered with the Emeralde Credit Card?
Emeralde Credit Cardholders can avail a 1% fuel surcharge waiver on all fuel transactions of up to ₹4,000 at any fuel outlet in India. This benefit applies to both the primary Cardholder and the Plus (supplemental) Cardholder. The waiver is automatically applied when the eligible transaction is completed using the Credit Card, helping you save on regular fuel expenses.
APPLICATIONHow do I apply for the ICICI Bank Emeralde Credit Card online?
You can apply for the Emeralde Credit Card online by visiting the ICICI Bank website and selecting the Emeralde Credit Card. Check the eligibility criteria and fill out the online application form with your personal and financial details. Alternatively, you can visit any ICICI Bank branch, where a representative will guide you through the process. No physical documents are required for the online application.
DOCUMENTSWhat documents are required to apply for the Emeralde Credit Card?
To apply for the Emeralde Credit Card, you will need proof of identity, proof of address, and income proof. For salaried individuals, a monthly income of ₹1,50,000 must be demonstrated, while self-employed applicants need to show an annual income of ₹18,00,000. Notably, no physical documents are required when applying online through the ICICI Bank website or iMobile app.
OTHERWhat fraud protection benefits are available with the Emeralde Credit Card?
The Emeralde Credit Card offers robust fraud protection including Counterfeit Card Liability, which covers cardholders against unauthorised card usage. Additionally, an Account Takeover Cover safeguards you in case your personal information is accessed or misused by a third party without your consent. These protections ensure peace of mind when using your card for everyday and international transactions.

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