ICICI Bank Emeralde Credit Card
Joining Fee: ₹12,000 + GST
Renewal Fee: ₹12,000 + GST
Reward Type: Reward Points
Reward Points
4 ICICI Reward Points for every ₹100 spent on retail purchases, excluding utilities, fuel, and insurance.
1 ICICI Reward Point for every ₹100 spent on utilities and insurance.
Spends-Based Fee Waiver
Annual Fee Waiver: The annual renewal fee of Rs. 12,000 is waived if you spend Rs. 10,00,000 during the card’s anniversary year. The joining fee is also reversed if the spending threshold is met in the first year.
Travel Perks
Airport Lounge Access: Unlimited access to lounges at domestic and international airports via AmEx/MasterCard/Visa programs and Dreamfolks membership.
Domestic Spa Access: Unlimited complimentary access to airport spas through Dreamfolks membership.
Air Travel Insurance: Covers personal air accident death up to Rs. 3 crore.
Forex Markup Fee: Low fee of 1.5% on international transactions.
Booking Cancellation Cover: No cancellation charges on hotel or flight bookings (up to Rs. 12,000) for up to two transactions per year.
Lounge Access Programs
Visa/MasterCard/AmEx Lounge Access: Unlimited complimentary access to domestic lounges.
Dreamfolks Membership: Unlimited access to over 1,000 airport lounges and partner spas globally; complimentary membership valued at USD 99. Lounge access is free for the primary cardholder; guests incur charges.
Golf Benefits
Complimentary Golf Rounds/Lessons: Receive 1 free round or lesson each month for every Rs. 50,000 spent, up to 4 rounds per month. Book via Golftripz after registering.
Dining and Entertainment
Movie Ticket Discounts: Get up to Rs. 750 off on the second movie or event ticket through BookMyShow, with a maximum of 4 tickets per month.
Dining Discounts: Enjoy a minimum of 15% off at participating restaurants via the Culinary Treats program.
Movie Booking Cancellation: No cancellation fees (up to Rs. 12,000 annually) on movie tickets.
Insurance Benefits
The ICICI Bank Emeralde Credit Card offers a range of travel-related insurance benefits as detailed below:
| Insurance Type | Coverage |
|---|---|
| Personal Air Accident | Rs. 3 crore |
| Baggage Insurance | Up to Rs. 25,000 |
| Loss of Checked-In Baggage | Up to USD 1,200 |
| Delay in Receipt of Checked-In Baggage | Up to USD 300 (if delayed over 12 hours) |
| Missed Flight Due to Trans-Shipment | Up to USD 300 |
| Loss of Travel Documents | Up to USD 500 |
| Delay in Flight | Up to USD 250 (if delayed over 12 hours) |
| Plane Hijacking | USD 250 per hour, up to a maximum of 12 hours |
Note: These travel-related insurance benefits are applicable only for international travel.
24×7 Concierge Services
Personal Assistance: Available in New Delhi, Mumbai, Bengaluru, and Chennai for reservations, referrals, and more. Includes Medical Concierge services for hospital admissions and doctor coordination.
Summary
The ICICI Bank Emeralde Credit Card stands out in the premium segment, competing strongly with other high-end cards like the HDFC Infinia and Standard Chartered Ultimate. Notably, the American Express version of this card offers unique benefits such as a Rs. 5,000 Tata CliQ voucher annually on your birthday, a 15% discount on Anytime Fitness gym memberships, and complimentary in-flight and airport Wi-Fi access. This card is particularly advantageous for high-net-worth individuals who frequently travel internationally for business.