ICICI Bank Emeralde Credit Card
ICICI Bank
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This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at icici.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
ICICI Bank Emeralde Credit Card by ICICI Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Fee waiver
Annual Fee reversed on card anniversary year completion if total spends are equal to or more than ₹10,00,000 during the anniversary year (EMI transactions excluded; rent, government and education payments excluded w.e.f. Nov 15, 2024).
Verifiedmitc12 Aug 2026, 1:15 PM ISTICICI Bank
Rewards
Redemption value
- Redemption Handling Fee: ICICI Bank Rewards Scheme ₹99.
- For ICICI Bank Rewards powered by ICICI Bank Rewards scheme: Catalogue Based Redemptions ₹99.
- Reward points expire 36 months from date of issuance.
Verifiedmitc12 Aug 2026, 1:15 PM ISTICICI Bank
Reward cap
- Reward Points per statement cycle capped for: Utility spend ₹80,000.
- Insurance spend ₹80,000.
- Grocery and Departmental spend ₹40,000 (w.e.f. Nov 15, 2024).
- Transportation transaction capped at ₹20,000 per statement cycle (w.e.f. Feb 01, 2026).
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Reward exclusion
- No reward points on Cash and Rent categories.
- No reward points on E-Wallet Reload category.
- No reward points on Fuel category.
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Travel & lounge
Lounge access
- Unlimited complimentary domestic airport lounge access (ICICI Bank Emeralde Master/Visa/AmEx Credit Card - Unlimited).
- The revised spend-based domestic lounge access criteria (spend ₹75,000 in preceding quarter) does NOT apply to ICICI Bank Emeralde Credit Card.
- Lounge access valid for up to 3 hours per visit.
- An authorisation amount of ₹2 (Visa/Mastercard/RuPay) or Re. 1 (AMEX) taken at entrance.
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Travel benefit
- Cancellation For Any Reason (CFAR) cover: Bookings done through the ICICI Bank Emeralde Credit Card eligible for cancellation.
- Coverage for non-refundable amount (excluding convenience charges).
- Maximum indemnification limit per transaction ₹12,000.
- Per card ₹12,000.
- Applicable for first two Domestic flight, hotel and movie cancellations.
- Coverage provided till 24 hours before travel/stay date.
- Applicable for 4-star/5-star hotels.
- Intimation to Bank within 60 days from date of incidence.
Verifiedharvested from product page12 Aug 2026, 12:26 PM ISTICICI Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
TataCliQ Voucher worth ₹5,000 (Welcome Gift Voucher for Emeralde Amex Credit Cards; qualifying spend threshold not stated on official source).
Verifiedwelcome_offer12 Aug 2026, 1:15 PM ISTICICI Bank
Insurance
- Insurance cover (Policy 4049/418250307/00/000): Personal Accident due to Air (Death only) ₹3,00,00,000.
- Purchase Protection ₹1,40,000.
- Plane Hijacking ₹1,00,000.
- Credit Shield ₹1,00,000.
- Loss of Checked in Baggage ₹84,000.
- Card Liability Cover ₹50,000.
- Medical Expenses for Bodily injury (Rail/Road accident) ₹50,000.
- Loss of Passport and travel related documents ₹35,000.
- Baggage Insurance ₹25,000.
- Delay of Checked in Baggage ₹21,000.
- Missing of Connecting International Flight During Transit ₹21,000.
- Delay in Flight ₹17,500.
- Only Primary card holders covered.
Verifiedharvested from product page12 Aug 2026, 12:26 PM ISTICICI Bank
Milestone benefit
- BookMyShow offer (w.e.f. Jan 15, 2026): enjoy the offer on the ICICI Bank Emeralde Credit Card by spending ₹25,000 or more in the preceding quarter.
- Cycle repeats every quarter.
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Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
2% mark-up on foreign currency transactions (w.e.f. Nov 15, 2024).
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Charge
- Finance charges 3.75% per month i.e. 45% per annum (w.e.f. Nov 15, 2024).
- Cash advance transaction fee - Nil for Emeralde Credit Card.
- Late payment charges (excluding Emeralde Private Metal): Nil below ₹100, ₹100 (₹100-500), ₹500 (₹501-1,000), ₹600 (₹1,001-5,000), ₹750 (₹5,001-10,000), ₹900 (₹10,001-25,000), ₹1,100 (₹25,001-50,000), ₹1,300 (above ₹50,000).
- Over-limit charges - Emeralde Credit Card is excluded from over-limit fee.
- Card replacement fee ₹100 (current) / ₹200 w.e.f. July 1, 2024.
- Dynamic Currency Conversion fee 2% for Emeralde Credit Card (w.e.f. Jan 15, 2026, current 1%).
- Rent Pay 1% fee.
- Fuel transaction 1% fee over ₹10,000 (w.e.f. Nov 15, 2024).
- Utility transaction 1% fee over ₹50,000 (w.e.f. Nov 15, 2024).
- Transportation transaction 1% fee over ₹50,000 (w.e.f. Jan 15, 2026).
- Education payment 1% fee through third-party apps (w.e.f. Nov 15, 2024).
- Skill-Based Gaming 2% fee (w.e.f. Jan 15, 2026).
- Wallet Load 1% fee for loads of ₹5,000 or more (w.e.f. Jan 15, 2026).
- Cash payment at branches ₹100 current / ₹150 w.e.f. Jan 15, 2026.
- GST 18%.
VerifiedMost Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers Emeralde)12 Aug 2026, 12:26 PM ISTICICI Bank
Fuel surcharge waiver
- Fuel surcharge waiver of 1% of transaction value on all petrol pumps.
- Applicable for spends up to ₹50,000 per statement cycle (w.e.f. Nov 15, 2024).
- On off-us terminals and non-HPCL outlets, surcharge reversal will not include GST.
VerifiedMost Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers Emeralde)12 Aug 2026, 12:26 PM ISTICICI Bank
Interest-free period
- Interest free period ranges from 18 to 48 days.
- Grace period of 3 days after payment due date.
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Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the ICICI Bank Emeralde Credit Card?
Officially traced: Rs. 12,000 (2nd year onwards).
mitcWhat is the joining fee on the ICICI Bank Emeralde Credit Card?
Officially traced: Rs. 12,000 (1st year).
mitcIs the ICICI Bank Emeralde Credit Card annual fee ever waived?
Annual Fee reversed on card anniversary year completion if total spends are equal to or more than Rs. 10,00,000 during the anniversary year (EMI transactions excluded; rent, government and education payments excluded w.e.f.
mitcWhat lounge access does the ICICI Bank Emeralde Credit Card include?
Unlimited complimentary domestic airport lounge access (ICICI Bank Emeralde Master/Visa/AmEx Credit Card - Unlimited).
lounge_travelWhat welcome benefit does the ICICI Bank Emeralde Credit Card offer?
TataCliQ Voucher worth Rs. 5,000 (Welcome Gift Voucher for Emeralde Amex Credit Cards.
welcome_offerWhat are the transfer ratios for ICICI Bank Emeralde Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.icici.bank.in/personal-banking/cards/credit-card/emeralde-credit-card.
VerifiedICICI Bank Emeralde Credit Card product page12 Aug 2026, 1:15 PM ISTICICI Bank
Verified 2026-08-12 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.