ICICI Bank Emeralde Credit Card Review

ICICI Bank Emeralde Credit Card is the newest addition to the ICICI Bank Gemstone Collection and is a super-premium card. The credit card is offered in two variants, MasterCard and American Express. The Card offers ease and extravagance to the cardholders in the form of travel, lifestyle and entertainment benefits.

ICICI Bank Emeralde Credit Card Review

Important features of ICICI Bank Emeralde Credit Card

  • Joining Fee: Rs. 1,000 + GST (per month from the date of joining) or Rs. 12,000 + GST (per year from the date of joining)
  • Foreign currency transactions: Mark-up of 1.5%
  • Annual Percentage Rate (APR): 1.99% on ATM cash withdrawals.
  • Interest Rate: 3.40% per month
  • Culinary Treats Programme: 15% savings on dining bills at over 2,500 restaurants across India. For more details visit: ICICI Bank Dining Offers
  • 24×7 concierge service
  • 1 Reward Point is equals to Rs. 0.25.

ICICI Bank Emeralde Credit Card Eligibility CriteriaICICI Bank Emeralde Credit Card eligibility criteria

  1. Salary Requirements – Rs. 3 lakh or above net monthly salary income.
  2. ITR of 30 lakh or above
  3. All existing ICICI Bank Global Private Client customers are eligible to apply for the ICICI Bank Emeralde Credit Card.

Features and Benefits of ICICI Bank Emeralde Credit Card

  • Monthly and Annual fee savings

If you spend more than Rs 1,00,000 / Rs 15,00,000 in the previous year then the Annual Fee is waived off.

  • Milestone Benefit

If you spend 2 Lacs then you get Rs. 5k worth of Da Milano voucher in two months of joining. (Only on American express Cards)

  • Reward Points

Get 4 PAYBACK Points on every 100 spent on all retail transactions except fuel.

Get 1 PAYBACK Point on every 100 spent on utilities and insurance categories.

  • Birthday benefit

You get dining voucher worth 7,500 from Trident Hotels. (Only on American express Cards)

  • Airport Benefits : Lounge Access & Spa Access

National: Unlimited domestic lounge access with Amex and MasterCard.

* For American Express® Lounge List click here

* For Mastercard Lounge List click here

International: Unlimited international lounge access offered at 450 lounges outside India via Dreamfolks Dragonpass Card. For more details on DragonPass, please visit en.dragonpass.com.cn. To get the updated list lounges, click here.

You get Unlimited Spa Access via Dreamfolks. For updated list of spa, click here.

  • Wi-Fi Access

Get uninterrupted Wi-Fi support with unlimited complimentary access to Boingo Wi-Fi all across the world. (Only on American express Cards). For more information click here.

  • Movies Offer by Bookmyshow

Buy one movie or event ticket and get up to Rs 750 off on the second ticket, up to four times every month at: bookmyshow.com

For more details about Bookmyshow benefit, click here.

  • Golf rounds:

4 complimentary rounds/lessons of golf every month at the golf course of your choice based on 50,000 retail spends or more in the previous calendar month.

  • Gym Benefits
  1. 50% off on Annual Membership fee of Gold Gym at all company owned outlets across the country.
  2. A complimentary consultation from a dietician.
  3. Up to 30% off on Annual Membership fee of Talwalkars Gym and Health Clubs across India. (Only on American express Cards). For more details click here.
  • Beauty benefits
  1. Enjoy Buy One Get One offer across all regular beauty services at VLCC.
  2. Get a complimentary Hair and Scalp check-up at Richfeel worth 1,000.
  3. Also get a complimentary Weight Loss Consultation annually (including Complete Body Analysis)
  4. Discounts at True Fitt n Hill chains across the country.
  5. Get 1000 off on a bill amount of Rs. 1,000 or more at Kaya Skin Clinics across India.

For more details on beauty benefits, click here.

  • Flight / Hotel / Movie booking cancellation

Get refunds of up to 12000 for a maximum of two transactions every year on any flight, hotel, and movie booking cancellation.

  • Fuel Surcharge Waiver

1% fuel surcharge waived off on fuel transactions at any fuel outlet.

  • Insurance

You can get up to Rs.3 crore as a part of air accident insurance cover.

American Express Privileges

  • You can enjoy up to 20% off on gold making charges at Joyalukkas across India.
  • Get 15% off on all services at O2 Spa on your ICICI Bank Emeralde American Express Credit Card.
  • Amex Live the World Privileges: Travel the world, savour amazing experiences and enjoy up to 50% off dining, accommodation and more.
  • American Express® Connect: It provides an extensive array of special offers across categories such as Online Shopping, Lodging, Travel, Retail and Dining.
  • American Express® ezeClick: This is a faster, smarter as well as safe online payment solution. American Express® ezeClick replaces the necessity to enter Credit Card details every time you shop online with just a single User ID.

Mastercard Privileges

  • Mastercard Moments/Mastercard Priceless is an exclusive programme specifically created for MasterCard cardholders. Cardholders get exceptional experiences as this credit is designed to inspire and enrich the lives of Mastercard cardholders, with programme members able to enjoy additional benefits. Moreover, for more details visit: mastercardmoments.com.

ICICI Bank Emeralde Credit Card is supposed to be a super premium lifestyle credit card as it offers lots of benefits. Hence, if you want to unwind with exclusive privileges given for travel, entertainment and more benefits then you must go for ICICI Bank Emeralde Credit Card.

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