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Made with ❤️ in India
Last updated: 30 May 2026
HomeCredit CardsICICI BankICICI Bank Emeralde Credit Card
ICICI Bank

ICICI Bank Emeralde Credit Card

Reward Points Super Premium
4.5/5.0CardwiseHQ Review
1st Year Fee: ₹12000(Waived on ₹10 lakh annual spends for the next year)
Primary Reward
4 Points per ₹100 on Domestic Spends
1st Year Fee
₹12000
Fee Waiver
Waived on ₹10 lakh annual spends for the next year
4.5/5
Excellent
Fees & ChargesRewards & CashbackFeatures & BenefitsEligibilityPros & ConsExpert Verdict

Experience a luxurious lifestyle with unlimited lounge access, complimentary golf, exclusive movie offers, and premium rewards.

Fees & Charges

ICICI Bank Emeralde Credit Card · Detailed fees & charges

ParticularsDetails
Joining / 1st Year Fee₹ 12,000
Annual / Renewal Fee₹ 12,000
Fee Waiver ConditionWaived on ₹10 lakh annual spends for the next year
Interest Rate (per month)3.75% per month
Late Payment Charges₹100 to ₹1,300
Foreign Transaction Fee2% of transaction amount

Rewards & Cashback

ICICI Bank Emeralde Credit Card · Detailed rewards & cashback

ParticularsDetails
Reward TypeReward Points
Primary Reward Rate4 Points per ₹100 on Domestic Spends
Secondary Reward Rate4 Points per ₹100 on International Spends, 1 Point per ₹100 on Utility and Insurance Spends
Milestone BenefitsAnnual Fee waiver on ₹10 lakh spends. Up to 4 complimentary golf rounds/lessons per month for every ₹50,000 spent in previous month.

Features & Benefits

ICICI Bank Emeralde Credit Card · Detailed features & benefits

ParticularsDetails
Airport Lounge Access✓ Available
Lounge Access DetailsUnlimited complimentary international and domestic airport lounge access for primary Cardholder.
Fuel Surcharge Waiver✓ Available
Fuel Surcharge Details1% waiver on fuel transactions up to ₹4,000 at any fuel outlet in India.
Insurance Coverage₹3 crore Air Accident cover (international travel only), Counterfeit Card Liability, Account Takeover Cover.
EMI Conversion Available✓ Available
Contactless Payment✓ Available
Add-on Card Available✓ Available

Eligibility

ICICI Bank Emeralde Credit Card · Detailed eligibility

ParticularsDetails
Minimum Annual Income₹ 18,00,000
Minimum Age21
Maximum Age65
Card VariantSuper Premium
Best ForLuxurious lifestyle, Travel Enthusiasts, Golf Enthusiasts, Movie Buffs

Pros & Cons

Advantages
  • Unlimited complimentary international and domestic airport lounge access
  • Up to 4 complimentary golf rounds/lessons every month based on spends
  • 'Buy One, Get One' offer on BookMyShow (up to 4 times/month)
  • No cancellation charges on domestic flight & hotel bookings (up to ₹12,000)
  • Reduced forex markup fee of 2% on international transactions
  • 1% fuel surcharge waiver on all fuel stations
  • ₹3 crore Air Accident Insurance cover and fraud protection
  • 24x7 Concierge Service
Disadvantages
  • High joining fee of ₹12,000 + GST
  • High annual fee of ₹12,000 + GST, waived only on ₹10 lakh annual spends
  • Air accident insurance applies only to international travel and requires prior card usage

CardwiseHQ Expert Verdict

Our editorial team's comprehensive assessment

4.5/5
Excellent
Overall Editor Rating
Best For: Luxurious lifestyle, Travel Enthusiasts, Golf Enthusiasts, Movie Buffs

ICICI Bank Emeralde Credit Card by ICICI Bank is rated 4.5/5 by our editorial team. Experience a luxurious lifestyle with unlimited lounge access, complimentary golf, exclusive movie offers, and premium rewards..

About ICICI Bank Emeralde Credit Card

The ICICI Bank Emeralde Credit Card is designed for individuals who appreciate a luxurious lifestyle and seek premium benefits across travel, entertainment, and leisure. It offers unparalleled access with unlimited complimentary international and domestic airport lounge visits for the primary cardholder, making every journey comfortable and exclusive. Beyond travel, the card extends its luxury with up to four complimentary golf rounds or lessons every month, based on eligible spends, catering to golf enthusiasts. For entertainment, the card provides significant value with a 'Buy One, Get One' offer on BookMyShow, allowing savings on movie and event tickets up to four times a month. Travel peace of mind is also a key feature, with no cancellation charges on domestic flight and hotel bookings up to ₹12,000, along with a reduced forex markup fee of 2% on international transactions. Cardholders also benefit from a 1% fuel surcharge waiver and 24x7 concierge assistance for various needs. Reward points are earned at a rate of 4 points per ₹100 spent on domestic and international transactions, and 1 point per ₹100 on utility and insurance spends, redeemable across a wide range of categories including travel, shopping, and electronics. The card also includes a substantial ₹3 crore air accident insurance cover and robust fraud protection, ensuring comprehensive security and convenience for its discerning users.

Quick Facts

Joining Fee₹12,000
Annual Fee₹12,000
Interest Rate3.75% per month
Card VariantSuper Premium
Lounge Access✓ Yes
Fuel Waiver✓ Yes
Contactless✓ Yes
Min Income₹18,00,000