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ICICI Bank Emeralde Credit Card
ICICI Bank

ICICI Bank Emeralde Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns points

First-year fee

₹12,000 + GST

Annual fee

₹12,000 + GST

What it gives back

4 Points per ₹100 spent on domestic spend, 4 on international spend and 1 on utility and insurance spend.

Read from 7 ICICI Bank documents, last checked 19 Oct 2026.

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How it compares

Compared with the cards we have read

₹12,000 annual fee: of the 273 other open cards whose annual fee we have read, 259 state a lower one and 14 state a higher one.

2% forex markup: of the 291 other open cards whose forex markup we have read, 45 state a lower one, 18 state the same and 228 state a higher one.

Fees

  • Annual feeJoining fee

    ₹12,000 + GST

  • Fee waiver rule

    Fee waived if you spend ₹10 lakh.

Rewards

  • Reward rate

    4 Points per ₹100 spent on domestic spend, 4 on international spend and 1 on utility and insurance spend.

  • Reward earning on international spends

    4 Points on every ₹100 International Spend.

  • Utilities earning

    1 Point on every ₹100 Utility and Insurance Spend.

  • Reward exclusions

    No reward points on Cash and Rent categories.

  • Reward caps

    Reward Points accrued per statement cycle will be capped: Utility Spend ₹80,000, Insurance Spend ₹80,000, Grocery and Departmental Spend ₹40,000.

  • Catalogue redemption

    You can redeem your ICICI Bank reward points across multiple categories such as electronics, lifestyle, luxury, shopping and travel.

  • Point expiry

    36 months from the date of issuance.

Card benefits

  • Domestic lounge access

    For lounge visits within India, the primary Cardholder can avail unlimited complimentary lounge access using their ICICI Bank Emeralde Credit Card.

  • International lounge access

    Enjoy unlimited complimentary accesses to international airport lounges with ICICI Bank Emeralde Credit Card.

  • Hotel or travel programme

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

  • Golf

    A round or lesson of golf for every ₹50,000 spent on retail purchases in the previous calendar month; a maximum of 4 rounds per month

  • Concierge

    24x7 Concierge Service

  • Benefit given each anniversary year

    Birthday Benefit: Shopping voucher from TATA CLiQ worth ₹5,000 (American Express Cardholders)

  • Movie or entertainment ticket benefit

    Buy one ticket and get up to ₹750 off on the second ticket through BookMyShow, four times every month; spend ₹25,000 or more within the preceding spends quarter

Also included

  • Fuel surcharge waiver

    Cardholders can avail of a 1% fuel surcharge waiver on all fuel transactions of up to ₹4,000 at any fuel outlet in India.

  • Surcharge on railway tickets

    1.80% of transaction value for Internet transactions and 2.50% for other bookings. For cards on American Express network: 1.80% of transaction value or ₹10 whichever is higher

  • Air accident cover

    Air Accident insurance coverage of ₹3 crore; the insurance covers international travel only

Charges

  • Forex markup

    2% on foreign currency transactions.

  • Dynamic currency conversion markup

    2%2% Dynamic Currency Conversion fee (Charges w.e.f. Jan 15, 2026)

  • Cash advance fee

    Nil

  • Cash advance interest

    Reduced interest of 3.75% per month on ATM cash withdrawals.

  • Interest on unpaid balance

    3.75% interest per month

  • Interest-free period

    Interest free period ranges from 18 to 48 days; grace period of 3 days after payment due date.

  • Late payment fee

    Ranging from ₹100 to ₹1,300.

  • Payment return or dishonour fee

    Return of cheque: 2% of Total Amount Due, Min. ₹500; Auto-Debit return fee: 2% of Total Amount Due, Min. ₹500; in addition ₹50+GST will be debited from customer saving bank account. In case customer paid partial payment against Total Amount Due (TAD) then fee will be calculated on Total Amount Due (TAD) minus payment if applicable

  • Card replacement fee

    ₹100 for all cards. Exception: ₹199 for ICICI Bank Expressions Credit Card; ₹3500 for Emeralde Private Metal Credit Card; ₹3500 for Times Black ICICI Bank Credit Card.

  • Cash payment / cash deposit fee

    A fee of ₹150 per payment transaction w.e.f. Jan 15, 2026 on cash deposited at any of the branches of ICICI Bank towards the Card payment

  • Education / school fee charge

    A fee of 1% of the transaction amount for education payments made through third-party apps (w.e.f. Nov 15, 2024)

  • EMI conversion fee

    Processing fee of 2.99%, capped at a maximum of ₹299 + 18% GST on all Instant EMI transactions with effect from Sep 01, 2025; processing fee of up to 2% of the transaction value on all EMI on Call transactions

  • Fee on online skill-based gaming spends

    A fee of 2% of the transaction amount for skill-based gaming transactions (w.e.f. Jan 15, 2026)

  • Reward redemption fee

    ₹99 plus GST on every redemption request

  • Wallet load charge

    A fee of 1% of the transaction amount for wallet load transactions of ₹5,000 or more (w.e.f. Jan 15, 2026)

  • Fuel transaction fee

    A fee of 1% of the transaction amount for fuel transactions exceeding ₹10,000 (w.e.f. Nov 15, 2024)

  • Rent transaction fee

    1% fee on transaction amount.

  • Utility transaction fee

    A fee of 1% of the transaction amount for utility payment transactions exceeding ₹50,000 (w.e.f. Nov 15, 2024)

  • GST note

    GST may be applicable from time-to-time; presently the GST rate for banking and financial services is at 18% applicable on all fees, interest, surcharge and other charges

  • Grace days after the due date

    Late Payment Charges will be applicable if the Minimum Amount Due is not paid by the payment due date (grace period of 3 days)

Eligibility

  • Income requirement

    Salaried: monthly income of ₹1,50,000; Self-employed: annual income of ₹18,00,000.

  • Minimum age

    An Indian citizen over 21 years of age.

In the terms, not the brochure (2)

  • What happens to unredeemed points if the card is closed

    If the ICICI Bank Credit Card is terminated, whether voluntarily by the Primary Card Member or by the Bank, the Card Member will immediately cease to be eligible for earning reward points or cashback. All unused or unredeemed reward points or cashback shall automatically be forfeited immediately after voluntary or involuntary cancellation.

  • Whether carrying a balance ends the interest-free period

    If the Total Amount Due is not paid by the payment due date + 3 days grace, then there will be no interest free period.

How we know - 7 documents from ICICI Bank, checked 19 Oct 2026

7 documents from ICICI Bank, checked 19 Oct 2026.

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₹12,000 a year

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