ICICI Bank Emeralde Credit Card: Features & Apply

Summary

ICICI Bank Emerald Credit Card is a premium lifestyle credit card that is designed for individuals who value luxury, comfort, and convenience. It offers a range of premium benefits in the form of travel, dining, wellness, and financial services. The card is well suited for high-income individuals with frequent travel and a penchant for having special privileges.

Another primary feature of the card is having unlimited airport lounge access at all domestic and international airports, and hence travel can be made relatively stress-free. The cardholders are also given complimentary spa treatment, golf courses, discounts for movie tickets, and 24×7 concierge services in the form of hotel bookings, event tickets, and restaurant tables. The card also provides affordable foreign currency mark-up rates as low as 1.5%, a very appropriate means of making payments internationally.

Financial flexibility is also an enticing feature of this card. One can choose his/her billing date, and no over-limit or late payment fee, which ease money management without tension. Along with that, the card also offers free health check-ups, doctor consultations, and travel insurance, so your health is always assured.

Introduction

With the dynamic lifestyle of the current times, credit cards have come a long way from being a payment mode. Theredit cards in the current era offer luxury, convenience, and exclusive privileges as per our lifestyle. Out of the many top-end credit cards available in India, ICICI Bank Emeralde Credit Card is one of the most high-end and rewarding high-net-worth credit cards.

For starters, the ICICI Bank Emeralde Credit Card falls under ICICI Bank’s high-end portfolio and comes in two versions—Mastercard World Elite and Visa Infinite. Both versions provide top-of-the-range privileges, ranging from unlimited free access to airport lounges to round-the-clock concierge, health and well-being benefits, and more. Apart from that, card members receive immunity from fuel surcharge, freedom from convenience fee on purchasing film tickets, and minimal forex mark-up rates on international travel. It’s not a card—it’s a lifestyle.

It is the credit card’s focus on providing high-end experiences that makes it attractive. Whether you’re here on business or pleasure, the ICICI Bank Emeralde Credit Card makes you feel like a king. From free usage of airport lounges at domestic and international airports to free golf rounds and spa massages, all is done to enhance your daily experiences. Apart from this, the 24/7 concierge service takes care of your bookings, reservations, and special requests so that you spend less time on these and are more relaxed with your life.

Other than this, the card also provides health and wellness rewards in the form of complimentary consultations and check-ups that are most appropriate for the person who prioritizes a broad lifestyle. Other than this, the Emerald Credit Card also provides full insurance protection in the form of travel insurance, baggage loss insurance, and credit shield protection, providing full peace of mind wherever you are.

What is the ICICI Bank Emeralde Credit Card?

The ICICI Bank Emeralde Credit Card is a premium credit card particularly for those seeking luxury, comfort, and world-class services in day-to-day life. This credit card provides various world-class amenities such as free airport lounge access, free golf rounds, spa, travel insurance, and 24×7 concierge service. The card is ideal for frequent flyers, food enthusiasts, or individuals seeking a high-end lifestyle.

The card comes in two international versions—Visa Infinite and Mastercard World Elite—and both are world-class privilege-offering cards. With negligible foreign currency mark-up fees, free-choice billing dates, and no extra fees on reserving movie tickets or petrol, it not only becomes convenient to spend, but rewarding too. Overall, the ICICI Bank Emeralde Credit Card is not merely a card—it is a gateway to a world of luxury.

How is the design of the ICICI Bank Emeralde Credit Card?

The ICICI Bank Emeralde Credit Card is a classy and elegant-looking card that suits its high-end status. The card is dark green in color, reminiscent of an emerald gemstone, and thus has a rich and unique look. The bright color not only makes the card appear attractive but also represents wealth and elitism.

For the Mastercard version, the appearance is further driven home by the dramatic placement of the Mastercard logo, which appears magnificent against the color green and thus even more visually appealing. The overall appearance is minimalist yet imposing, ensuring that the cardholder makes a statement every time the card is utilized.

What are the benefits of the ICICI Bank Emeralde Credit Card?

Here are the key benefits in easy terms:

Travel Benefits

• No-Limit Airport Lounges: Unlimited visits to domestic and international airport lounges.

• Low Forex Mark-Up: Only 1.5% foreign transaction charge—ideal for global travelers.

• Travel Insurance: Free travel insurance on delayed flights, lost luggage, etc.

Dining & Lifestyle

• Concierge Service: 24×7 personal concierge for booking hotels, event tickets, restaurants, etc., and reservations.

• Spa & Golf Privileges: Free spa treatments and golf rounds at certain clubs.

• Movie Benefits: Avail 1 free movie ticket on every 1 movie ticket booking (max ₹750 twice a month) on BookMyShow.

• No Convenience Fee: No convenience charge on movie ticket bookings on BookMyShow and Inox.

Health & Wellness

• Health Check-ups: Free annual health check-ups.

• Doctor Consultation: Free online or in-clinic doctor consultation.

• Wellness Services: Access to diet consultation, fitness classes, and more.

Financial Rewards

• Flexible Billing Cycle: Select your billing date according to your convenience.

• No Overlimit or Late Fee Charge: No late payment or exceeding of limit charge (terms and conditions apply).

• Credit Shield: Protection against accidental death or disability.

Fuel Benefits

• Fuel Surcharge Waiver: No extra charge on fuel at any Indian petrol pump.

Reward Points

• Earn ICICI Reward Points: Get points for each qualifying transaction, redeemable as gifts, vouchers, or travel.

Exclusive Design

• It is presented in a luxury emerald green hue, and there is an ultra-luxury feel metal card version also.

What are the fees for the ICICI Bank Emeralde Credit Card?

Here is a simple breakdown of the  ICICI Bank Emeralde Credit Card fees.

Joining Fee	Rs. 1,000 + GST (per month)
Annual Fee	Rs. 1,000 + GST (per month)
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	3.40% per month (40.80% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an ICICI Bank Emeralde Credit Card?

1. Age Requirement:

• You should be between 18 to 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have a valid address proof.

What documents are required to get an ICICI Bank Emeralde Credit Card?

The documents that you will have to submit to get an ICICI Bank Emeralde Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the ICICI Bank Emeralde Credit Card be used?

Here is the list of places where you can use it:

• With the ICICI Bank Emeralde Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  ICICI Bank Emeralde Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  ICICI Bank Emeralde Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the ICICI Bank Emeralde Credit Card?

The credit amount you can spend is what you are provided with an ICICI Bank Emeralde Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an ICICI Bank Emeralde Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the ICICI Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by ICICI Bank; for instance, you can choose the  ICICI Bank Emeralde Credit Card.

• Just hover your cursor on the  ICICI Bank Emeralde Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest ICICI Bank branch to apply for the  ICICI Bank Emeralde Credit Card.

• Request for the credit card application form of the  ICICI Bank Emeralde Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  ICICI Bank Emeralde Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the ICICI Bank Card website, mobile app, or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an ICICI Bank Emeralde Credit Card in 2025 be right?

Yes, getting an ICICI Bank Emeralde Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

ICICI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

ICICI Bank Emeralde Credit Card is more than a credit card—it’s status, luxury, and the indulgent life. It treats you to the luxury services lifestyle the moment you possess it, simplifying your life and making you happier every day. Whether you fly frequently, frequent the cinema, dine at restaurants, or indulge in health and wellness benefits, this card offers something excellent to provide in each of these aspects.

One of the prettiest aspects of the Emeralde Credit Card is its broad range of benefits. You have unlimited access to airport lounges, free spa treatments, unlimited rounds of golf, and even 24×7 personal concierge service. These are benefits custom-made for someone who has a busy lifestyle and needs everything within their reach—be it a hotel booking or a sudden flight change. It’s like having a personal assistant in your pocket.

One other important advantage is the flexibility it offers. With the convenience of selecting your billing cycle and with no over-limit or late payment fees, finances are more convenient and hassle-free to manage. Further, with the low foreign currency mark-up of just 1.5%, it’s ideal for use overseas, allowing you to save money on every trip overseas.

Frequently Asked Questions (FAQ’s)