Core Rewards :
  • 4% RP Earn 4 Reward points every Rs. 100 spent.
Milestone Rewards :
  • Monthly : N/A
  • Quaterly : N/A
  • Annual : Spend 200,000, you will receive a Da Milano voucher worth Rs. 5,000.
No rewards on spends : Fuel
Rewards Redemption
How to Redeem :
  • Redeem Reward points for Vouchers
Redemption options : Gift Vouchers, Statement Credit
Redemption fee : 99
Transfer partners : N/A
Complementary Benefits
Lounge access :
  • Domestic Lounge : Unlimited
  • International Lounge : Unlimited
  • Railway Lounge : N/A
Insurance Benefits :
  • Lost card liability : Upto Credit Limit
  • Personal accidental insurance : N/A
  • Air accidental insurance : 3 Cr.
Other Benefits :
  • Lounge Membership : Dreamfolk Card - Domestic Spa & Worldwide Lounge Access
  • Memberships Available With Cards : N/A
  • Spa Benefits : Unlimited at Domestic Airport
Golf Benefits :
  • Lessons : Complimentary round of golf lesson each month on a minimum spend of Rs. 50,000 in the previous month, capped at 4/month
  • Games : Complimentary round of golf game each month on a minimum spend of Rs. 50,000 in the previous month, capped at 4/month
Joining fees : 12000
Annual fees : 12000
Welcome Benefits : N/A
Quaterly Benefits : N/A
Annual Benefits : N/A
Forex markup charges : 1.5%
Fee reversal criteria : Spend Rs. 15,00,000 in a year or Spend 1,00,000 in previous month for monthly fee waiver, if opted
Minimum age : 21
Minimum ITR : 30,00,000
Minimum Salary : 3,00,000

ICICI Emeralde Credit Card Welcome Benefits

  • Welcome benefit: Receive e-vouchers worth Rs. 5,000 from select brands. Enjoy shopping, travel, fashion, and more with these versatile vouchers. Elevate your lifestyle from the moment you get your ICICI Emeralde Credit Card.
  • Explore premium choices in travel, clothing, footwear, and shopping.
  • Your gateway to luxury and rewards begins with this exclusive welcome offer.

ICICI Emeralde Credit Card Reward Points/Cashback

The ICICI Emeralde Credit Card offers:

  • Movie and dining benefits with free movie tickets and dining discounts.
  • Reward rate of 2.5% on groceries, dining, movies, and department store spending.
  • Redemption options for gift vouchers or statement balance.
  • Complimentary travel memberships and airport lounge access.
  • Golf privileges and insurance coverage.
  • Core rewards of 4% on transactions, 5X points on select categories, and 2% on other spends.
  • Milestone rewards on annual spending.
  • No rewards on wallet transactions.

ICICI Emeralde Credit Card Reward Point Redemption

You can easily redeem your reward points with the ICICI Emeralde Credit Card:

  • Redemption Options: You can use your reward points for gift vouchers and statement cash.
  • Redemption Fee: There is a redemption fee of Rs. 99 + GST on each redemption request.
  • Value: Each reward point is valued at Re. 0.25 when redeemed for gift vouchers, products, or cashback.

Pros of ICICI Emeralde Credit Card

  • Attractive welcome benefits worth Rs. 5,000.
  • Access to domestic and international airport lounges.
  • Competitive reward rates on dining, groceries, and department store expenses.
  • Lucrative milestone rewards for high spenders.
  • Enjoy two complimentary movie tickets every month under the Buy One Get One (BOGO) offer.

Cons of ICICI Emeralde Credit Card

  • High annual fee and joining fee.
  • Fee waiver requires significant annual spending.
  • No rewards on wallet transactions.

ICICI Emeralde Credit Card Benefits

  • Lounge Access: Enjoy complimentary airport lounge access in India and around the world.
  • Dining Discounts: Get up to 20% discount at select restaurants.
  • Concierge Service: Access concierge service for travel, dining, and entertainment reservations.
  • Golf Benefits: Complimentary golf rounds at select courses.

ICICI Emeralde Credit Card Charges and Fee

  • Joining Fee: Rs. 12,000 + GST
  • Annual Fee: Rs. 5,000 + GST
  • Renewal Fee: Rs. 5,000 + GST
  • Fee Waiver: Spend Rs. 3 lakhs or more in the previous year to get a waiver on the renewal fee.
  • Add-on Card Fee: Nil
  • Cash Withdrawal Fee: 2.5% of the withdrawn amount, subject to a minimum of Rs. 300
  • Overlimit Fee: 2.5% of the over-limit amount, subject to a minimum of Rs. 500