ICICI Bank Emerald Credit Card

At a Glance

Joining Fee: Rs. 12,000

Joining fee is applicable if annual card membership is chosen at the time of application. The joining fee will be waived off if you spent Rs. 15 Lacs or above in the previous card membership year. EMI transactions are not eligible for total spend calculation.

Intro Benefits: Rs. 0

Annual Fee: Rs. 1,000 Monthly / Rs. 12,000 Annually

Monthly joining fee is applicable only if monthly card membership is chosen, and waived off on spending Rs. 1 Lac in previous card membership month. Whereas Annual fee is applicable only if annual card membership is chosen, and waived off if you spent Rs. 15 Lacs or above in the previous card membership year. EMI transactions are not eligible for total spend calculation.

Save upto 50% on membership charges of premium partner gyms.

Save a minimum of 15% on dining bills at ICICI Bank Culinary Treats programme partner restaurants.

Save 1% on retail transactions and fuel surcharge.

Super Powers

  • 1 + 1 BookMyShow Tickets

Buy 1 Ticket (Movie / Non-Movie) from BookMyShow and Get the second ticket free of cost.

  • Unlimited Access to International and Domestic Lounges.

Get free unlimited access to international as well as domestic lounges by Dragon Pass, AMEX and Mastercard.


  • 4X Reward Points

You earn 4 PAYBACK Points worth Rs. 1 against each Rs. 100 spent on any retail transaction except for fuel, utilities and insurance related transactions.

  • Free Movie/Non-Movie Tickets worth upto Rs. 3000 every month from BookMyShow.

Get a free ticket of upto Rs. 750 on purchase of minimum 2 tickets (movie / non-movie) from BookMyShow under Buy 1 Get 1 offer on stock basis. You can enjoy this benefit 4 times a month, subject to the maximum annual benefit of Rs. 36,000. However, free tickets will be offered each day in four blocks, starting at 12 A.M., 11 A.M., 3 P.M, and 7 P.M. until stocks last. The internet handling charges will be borne by the cardholder.

  • Get Dining Voucher worth Rs. 7,500 on your birthday for Trident Hotels.

Get a free dining voucher from Trident Hotels worth Rs. 7,500 on the occasion of your birthday. The voucher is valid on prices of full menu including taxes at any of the nearest Trident Hotels one time only and applicable on only ICICI Bank American Express Emeralde Credit Card. The reservation has to be made at least 3 days in advance.

  • Unlimited Complementary Access to International VIP Airport Lounges & Domestic Spas

ICICI Bank Emeralde card comes with a complimentary Dragon Pass Prestige Membership worth US$399 (offering same lounge benefits as Priority Pass Prestige Membership worth US$429, providing access to more than 800 VIP airport lounges across the globe along with free access to spas at domestic airports. With complimentary membership to Dragon Pass Prestige, you also save upto 25% on dining at more than 1000 restaurants, 5% discount on airport limousine service at more than 300 airports, and 5% discount on airport meet & greet service at more than 100 airports worldwide. Click here to see the list of eligible airport lounges. The Dragon Pass comes with a validity period of 4 years from the issuance date.

  • Complimentary Access to AMEX and Mastercard Domestic Airport Lounges

Get free unlimited access to American Express as well as Mastercard domestic airport lounges.


  • Complimentary Golf Rounds/Lessons on every Rs. 50,000 Spend.

With Emerald credit cards, the primary cardholder get free golf rounds/lessons at some of the finest golf courses around the world, on reaching the spending threshold of each Rs. 50,000 in the previous calendar month. You can avail a maximum of 4 free golf rounds/lessons under this offer. Click here to see the list of eligible golf courses. The request to use golf set, caddy and buggy are subject to the golf courses and the respective charges will be borne by the primary cardholder.

  • Spend Rs. 2 Lacs within first 2 months of joining and get complimentary Shopping Voucher worth Rs. 5,000 from Da Milano.

If you spend Rs. 2 Lacs or more within the first 2 months of joining, you will receive a shopping gift voucher worth Rs. 5,000 from Da Milano. The voucher can be redeemed against the MRP prices of the products at any Da Milano Stores across the country except all of the Da Milano stores at Delhi Airport and at any Rosso Brunello exclusive store. The voucher will be valid for 1 year from the date of issuance.

  • Enjoy upto 50% Savings on Premium Gym Membership

Get 50% discount on Gold Gym’s Annual Membership at all outlets across the country along with a free consultation from a dietician on HealthAssure.in. Apart from that, you also get 3 days trial at any TalWalkar Gym’s company owned branch across the country and 30% discount on the annual membership of Comprehensive Health Club Facility at TalWalkar on rack rates (on your ICICI Bank American Express Emeralde Card only and valid till Mar 31st, 2019).

  • Various Complementary Benefits from HealthAssure

From HealthAssure.in, you get complimentary Weight Loss Consultation including complete body analysis annually along with Buy One Get One offer at all beauty services at VLCC outlets. Apart from that, you also get complimentary check-up of hair and scalp at Richfeel worth Rs. 1,000, and Rs. 1,000 discount at Kaya Skin Clinics across the country on bill amount of minimum Rs. 1,000. Moreover, you get discount offers at Truefitt & Hill outlets across the nation.

  • Unlimited Access to Airport WiFi

With your ICICI Bank American Express Emeralde card, enjoy free unlimited access to Boingo WiFi at airport lounges worldwide.

  • Save upto Rs. 12,000 Annually on Travel, Hotel and Movie Bookings Cancellation.

Claim maximum upto Rs. 12,000 against cancellation charges for any flight, hotel stay or movie ticket bookings, subject to a maximum of two transactions each year. This offers is provided by ICICI Lombard General Insurance Company Limited. Click here for the claim process.

  • 1X Reward Points on Utilities and Insurance Transactions

With ICICI Bank Emeralde Card, you earn 1 PAYBACK point worth Rs. 0.25 against each Rs. 100 spent on utilities bill payments and insurance premiums.

  • Air Accidental Insurance and Travel Protection Cover

With ICICI Emeralde Card, you get personal air accident insurance of Rs. 3 Crores in case of death or permanent disability if the travel ticket is purchased on the card. Moreover, you receive various protection cover during travelling through international flight of an international airlines, including credit shield protection of Rs. 50,000, Baggage insurance cover of upto Rs. 25,000, loss of travel documents protection worth US$500, loss of checked-in baggage cover of US$1200, cover of US$300 for delay in receipt of checked-in baggage (only in addition to minimum 12 hours), cover of US$300 for missing flight due to trans-shipment, protection cover of US$250 per hour for Plane Hijacking (Subject to a maximum of 12 hours), insurance of US$250 for delay in flight (in addition to 12 hours), and lost card liability of Rs. 50,000 for 2 days pre-reporting and 7 days post-reporting along with credit card counterfeit liability and account takeover cover.

  • Benefits on AMEX Card with American Express Privileges.

Avail flat 15% discount on all services offered at O2 Spa by using coupon code “AMEXO215”, applicable till Dec 31st, 2019 on ICICI AMEX Emeralde Card only. Additionally, you get upto 20% discount on gold jewellery making charges along with flat Rs. 3000 discount on the purchase of diamond jewellery worth Rs. 50,000 or above at any exclusive Joyalukkas stores. This offer is valid till Dec 31st, 2019 and not applicable on gold coins/bars. In case you are an existing subscribed customer of Joyalukkas, you won’t receive any Joyalukkas Loyalty points for this transaction. Moreover, you also get upto 50% discount on dining and accommodations under AMEX Live the World Privileges along with several other discounted offers under AMEX Connect Privileges.

  • Benefits on Mastercard with Mastercard Moments Privileges

On your ICICI Bank Mastercard Emeralde credit card, enjoy various lifestyle benefits and offers like complimentary golf rounds/lessons at golf courses across the country (Valid till Dec 31st,  2019) along with various shopping, lifestyle, dining and travel offers with partner brands. Click here to check the available offers.

  • Fuel Surcharge Waiver

Save 1% on fuel surcharge fee at any petrol pump across the country. Minimum benefit of Rs. 10 on a single transaction.

Staff Review

Reward Points: 4X on Retail Transactions and 1X on Utility and Insurance Transactions

Intro Bonus

Annual Bonus

Eligibility Criteria

  • Monthly Salary/Income of Rs. 3 Lacs or above, or Annual Income of Rs. 30 Lacs or above as per the ITR.
  • OR, the applicant is an existing customer of ICICI Bank Global Private Client.


  • Aadhar Number / PAN Card
  • Bank Account Statement
  • Income/Salary as per the latest Income Tax Return. OR, proof for monthly Salary/Income.
  • If applicant is an existing customer of ICICI Bank Global Private Client, account number.

Fees & Penalties

Type of ChargesApplicable Amount
Add-on Card FeeNIL
Typical APR40.80% (3.4% per month)23.88% (1.99% per month) on Cash Withdrawal (Min Rs. 300)
Cash Withdrawal Limit
Cash WithdrawalNIL
Late PaymentNIL
EMI Bounce2% of total outstanding amountMinimum Rs. 450
Foreign Currency Transaction1.5% Mark-up fee
Fuel SurchargeWaived Off
Cash Payment at BranchRs. 100 per transaction
Min Amount Due (MAD)5% of the total outstanding amount
Card ReplacementRs. 100


  • Low Cash Withdrawal APR
  • Fuel Surcharge Waiver
  • Complimentary Unlimited Airport Lounge Access
  • Movie Ticket Benefits
  • Low Foreign Transaction Charges
  • Available on Monthly Membership
  • Fee Waiver
  • Golf Privileges


  • High Income Criteria
  • High APR on Retail Transactions


How do I book my free golf games?

In order to book your complimentary golf games, you can simply call 24×7 ICICI Bank Concierge Service at 1800-26-70731 (toll free for MTNL/ BSNL Customers) or 022-67872016. The cardholders need to book at least 4 to 6 days prior and as early as 15 days prior to the date of the tee off game.

Or, you can also book your complimentary games at https://teetimes.golftripz.com/. Simply, sign-up using your email id registered with your ICICI Bank Credit card account. The complimentary golf game will only be visible into your Golftripz account after the 10th of the next month from the date you are eligible for the benefit; hence, you need to sign-up primarily in case you are a first time user.

You can utilize this complimentary benefit anytime within the next 2 months, depending upon the available time slots on the basis of first come first serve and subject to weekly stock availability. Each cardholder can only make one open booking at a time including pending / confirmed request.

What if I cancelled a confirmed golf game? The cancelled game still be counted in my complimentary quota?

The cardholder needs to make the cancellation request at least 6 days prior to the date of tee off game. Any cancellation requests made after this time will not be added back to your complimentary quota.

What are the charges applicable to accompanied guest access at airport lounges?

For accompanied guest access at Dragon Pass airport lounges, the applicable charges differ as per the country. Here is the list of charges levied at the Dragon Pass airport lounges in different countries.

South East Asia, South Africa$23
Other Countries$25

How do I get my free consultation on HealthAssure.in?

To avail your free consultation from a dietician on HealthAssure.in, simply sign-up on https://www.healthassure.in/ using the same email id registered in your icici bank card account and use “EMERALDE” as your Access Code at the time of sign-up. After booking an offer, the final payment must have been paid by your ICICI Bank Emeralde credit card to avail the benefits.

How do I avail complimentary discount at Talwalkar Gyms using my ICICI Bank American Express card?

In order to avail the benefits at any Talwalkar Gym’s company owned branch, share coupon code “AMEX Offer – 2019” at the time of billing and pay the bills using your ICICI Bank American  Express Emeralde Credit Card.

What are the eligible domestic American Express airport lounges?

Participating LoungesAirport TerminalCityCost / Access
Travel ClubDomesticChennaiRs. 500
Travel ClubInternationalChennaiRs. 1,000
Travel ClubDomesticKolkataRs. 500
Travel ClubInternationalKolkataRs. 1,000
Good Times BarDomesticMumbaiRs. 450
Port LoungeInternationalAhmedabadRs. 900
Port LoungeDomesticPuneRs. 500
Port LoungeDomesticGoaRs. 500
Plaza Premium LoungeDomestic DepartureTerminal 1DDelhiRs. 550
Plaza Premium LoungeDomestic Departure Terminal 3DelhiRs. 550
Plaza Premium LoungeInternational Departure Terminal 3 (Area B – 4th floor)DelhiRs. 850
Plaza Premium LoungeInternational Departure Terminal 3 (Area A – Mezzanine floor)DelhiRs. 850
Plaza Premium LoungeDomestic Departure, Level EHyderabadRs. 550
Plaza Premium LoungeInternational Departure, near Gate No. 32HyderabadRs. 850
Plaza Premium LoungeDomestic DepartureBangaloreRs. 500
Plaza Premium LoungeInternational DepartureBangaloreRs. 800

What are the eligible domestic Mastercard airport lounges?

Participating LoungesAirport TerminalCityLocation
AGLDomesticBangaloreMezzanine Level, DomesticDeparture, Terminal 1
AGLInternationalBangaloreLevel 1, Near Gate 18, InternationalDeparture, Terminal 1
Premium PlazaDomesticBangaloreDomestic Departure Terminal, Terminal 1, Mezzanine Level
Premium PlazaInternationalBangaloreInternational Departures, Terminal1, Level 1
TFSInternationalChennaiTravel club Lounge, Old international terminal building, near boarding, Anna international terminal, Chennai airport, Chennai
TFSNew InternationalChennaiTravel club Lounge, New international terminal building, 3rd Floor, Anna International Terminal, Chennai Airport, Chennai
TFSDomesticChennaiTravel Club Domestic, Link building Chennai 600027, Chennai
EarthDomesticCochinCochin Domestic Airport, Opp. CIAl, Nedumbassery, Ground Floor Cochin – 683572, Kerala
EarthInternationalCochinCochin International Airport, Opp. CIAl, 2nd Floor Nedumbassery, Cochin – 683572, Kerala
Premium PlazaDomestic T1DDelhiT1 D, Level 02, Mezzanine Level, Terminal 1, Domestic Departures, Indira Gandhi International Airport, Palam, New Delhi
Premium PlazaDomestic T3DelhiMezzanine Level, Terminal 3, Domestic Departures, Indira Gandhi International Airport, New Delhi
Premium PlazaDomestic T2DelhiDomestic Departures, Indira Gandhi International Airport, Palam, Terminal 2, Airside – Domestic Departures, near Gate 24. New Delhi. Take left after SHA
Premium PlazaInternational T3DelhiLevel INL 03, International Departures, Terminal 3, Indira Gandhi International Airport, New Delhi
Premium PlazaInternational Terminal 3DelhiLevel 4, International Departures,Terminal 3, Indira Gandhi International Airport, New Delhi
Premium PlazaDomesticHyderabadLevel E, Domestic Departures,Rajiv Gandhi International Airport(near Gate 28), Hyderabad
Premium PlazaInternationalHyderabadLevel E, International Departures,Rajiv Gandhi International Airport(near Gate 32 A/B), Hyderabad
Travel ClubDomesticKolkataMezzanine Level, Domestic Terminal, Netaji Subhash Chandra Bose, Domestic Airport, Kolkata.
Travel ClubInternationalKolkataInternational Terminal, Netaji Subhash Chandra Bose International Airport, Kolkata
Lite and Bite FoodsInternationalPuneLite and Bite Foods, 1st Floor After SHA, New Airport Rd, PuneInternational Airport Area, Lohgaon, Pune, Maharashtra, 411032
TFSDomestic T1CMumbaiTravel food service, Terminal 1 C, 1st floor Opp. Gate A2, Mumbai
Clipper LoungeInternational T2MumbaiFloor Opposite Samsonite, Terminal 2, Mumbai International Airport
Mumbai Airport Lounge ServicesDomestic T2MumbaiTravel Club Lounge,SHA, Terminal 2, Chhatrapati Shivaji International Airport,Mumbai
Club OneInternationalJaipurAirports Authority of India, Civil Airport, Sanganer, Jaipur, Rajasthan

How do I redeem my reward points?

You can redeem the reward points accumulated on your card account against movie tickets, travel vouchers, lifestyle products or card charges etc. To redeem the points, simply call at 080-40146444 /1860-258-5000 (charges applicable) or go to PAYBACK Online Redemption Portal.

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