{"id":83051,"date":"2025-12-12T20:28:06","date_gmt":"2025-12-12T14:58:06","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=83051"},"modified":"2025-12-12T20:28:09","modified_gmt":"2025-12-12T14:58:09","slug":"icici-bank-emeralde-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/icici-bank-emeralde-credit-card\/","title":{"rendered":"ICICI Bank Emeralde Credit Card\u2014A Super-Premium Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>Key Takeaways<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn up to 4 Reward Points per \u20b9100, even on utility and insurance spends.<\/li>\n\n\n\n<li>Get up to 12X rewards on iShop with strong value on flights, hotels, and vouchers.<\/li>\n\n\n\n<li>Enjoy the birthday benefit of \u20b95,000 Tata CLiQ vouchers on the Amex variant.<\/li>\n\n\n\n<li>Users enjoy unlimited lounge access and up to 4 free golf rounds each month.<\/li>\n\n\n\n<li>The card offers air accident insurance of up to \u20b93 crore for added security.<\/li>\n\n\n\n<li>Annual fee is \u20b912,000 + GST, waived once yearly spends cross \u20b910 lakh.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The <strong>ICICI Emeralde Credit Card<\/strong> serves high-income users who want strong lifestyle value in one place. It delivers premium benefits and steady rewards across daily and luxury spends. Cardholders earn up to 4 Reward Points per \u20b9100 on domestic and international transactions, and 1 Reward Point on utilities and insurance.<\/p>\n\n\n\n<p>These points convert into vouchers across health, beauty, travel, electronics, home appliances, fashion, and more. The card suits customers who want broad value and convenient redemption options.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#icici-emeralde-credit-card-benefits\">ICICI Emeralde Credit Card Benefits<\/a><\/li><li><a href=\"#reward-points-and-redemption-on-icici-emeralde-credit-card\">Reward Points and Redemption on ICICI Emeralde Credit Card<\/a><\/li><li><a href=\"#concierge-service-and-golf-on-icici-bank-emeralde-credit-card\">Concierge Service and Golf on ICICI Bank Emeralde Credit Card<\/a><\/li><li><a href=\"#icici-emeralde-credit-card-eligibility\">ICICI Emeralde Credit Card Eligibility<\/a><\/li><li><a href=\"#icici-emeralde-credit-card-charges\">ICICI Emeralde Credit Card Charges<\/a><\/li><li><a href=\"#things-to-know-about-the-emeralde-credit-card-from-icici\">Things to Know About the Emeralde Credit Card from ICICI<\/a><ul><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"icici-emeralde-credit-card-benefits\"><strong>ICICI Emeralde Credit Card Benefits<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"317\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/ICICI-Bank-Emeralde-Credit-Card.webp\" alt=\"ICICI Bank Emeralde Credit Card\" class=\"wp-image-83159 size-full\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/ICICI-Bank-Emeralde-Credit-Card.webp 500w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/ICICI-Bank-Emeralde-Credit-Card-300x190.webp 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/ICICI-Bank-Emeralde-Credit-Card-150x95.webp 150w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p>A 2% forex markup keeps global spending light, and a 1% fuel surcharge waiver cuts routine travel costs. <\/p>\n<\/div><\/div>\n\n\n\n<p>These simple savings lay a solid base for a premium card.<\/p>\n\n\n\n<p>Here are the other core benefits:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Lounge Privilege:<\/strong> Primary users enjoy unlimited entry at domestic and international lounges.<\/li>\n\n\n\n<li><strong>Golf Access:<\/strong> Get up to 4 complimentary golf rounds each month on eligible spends.<\/li>\n\n\n\n<li><strong>Movie Savings:<\/strong> Buy 1 ticket and save up to \u20b9750 on the second ticket via BookMyShow.<\/li>\n\n\n\n<li><strong>Birthday Gift:<\/strong> American Express variants offer a \u20b95,000 Tata CLiQ voucher twice a year.<\/li>\n\n\n\n<li><strong>Travel Ease:<\/strong> Enjoy zero cancellation charges on domestic flights and hotels up to \u20b912,000.<\/li>\n\n\n\n<li><strong>Flexible Limits:<\/strong> No over-limit fee and a lower 3.75% monthly rate on ATM cash use.<\/li>\n\n\n\n<li><strong>Concierge Desk:<\/strong> Reach <strong>ICICI Emeralde Credit Card<\/strong> 24\u00d77 personal assistance through 1800 267 0731.<\/li>\n\n\n\n<li><strong>High Insurance Cover:<\/strong> Avail air accident protection up to \u20b93 crore for added security.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"reward-points-and-redemption-on-icici-emeralde-credit-card\"><strong>Reward Points and Redemption on ICICI Emeralde Credit Card<\/strong><\/h2>\n\n\n\n<p>The <strong>ICICI Emeralde Credit Card<\/strong> offers strong value with high reward earnings and flexible redemption options.<\/p>\n\n\n\n<p>The <a href=\"https:\/\/www.icici.bank.in\/ishop\" target=\"_blank\" rel=\"noopener\">iShop portal<\/a> enhances this experience with simple access and clear reward conversions. No separate membership is needed. Any ICICI Bank customer can log in and start redeeming instantly.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Earn High Reward Points<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn 6X points on Amazon Prime, MakeMyTrip, Hamleys, Barbeque Nation, and similar partners.<\/li>\n\n\n\n<li>Earn up to 12X points on flights, buses, hotels, and shopping vouchers via iShop.<\/li>\n<\/ul>\n\n\n\n<p><strong><em>Note:<\/em><\/strong><em> Redeem Reward Points and iCash with a fixed value of 1 iCash = \u20b91.<\/em><\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Optimised Redemption and iCash Benefits<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>iShop gives strong value across travel and shopping. Flight and bus bookings can reach up to 100% value, while hotel bookings go up to 90%. Shopping vouchers offer up to 50% value.<\/li>\n\n\n\n<li>Net Banking adds more power with 3% iCash on flights, 6% iCash on hotels and buses, and up to 29% iCash on shopping vouchers.<\/li>\n<\/ul>\n\n\n\n<p><strong><em>Note:<\/em><\/strong><em> Redeem up to 80% iCash in one transaction.<\/em><\/p>\n\n\n\n<p><em>But always pay your credit card bills in full. Download the Pice App and connect all your credit cards. Make <\/em><a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\"><em>credit card payments<\/em><\/a><em> with a few easy clicks.<\/em><\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>How to Access an iShop?<\/strong><\/li>\n<\/ol>\n\n\n\n<p><strong>Step 1: <\/strong>Visit the ICICI Bank official website.<\/p>\n\n\n\n<p><strong>Step 2:<\/strong> Click iShop in the navigation bar.<\/p>\n\n\n\n<p><strong>Step 3: <\/strong>Log in with your User ID and password.<\/p>\n\n\n\n<p><strong>Step 4:<\/strong> Accept the disclaimer pop-up.<\/p>\n\n\n\n<p><strong>Step 5:<\/strong> Proceed to redeem and shop.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"concierge-service-and-golf-on-icici-bank-emeralde-credit-card\"><strong>Concierge Service and Golf on ICICI Bank Emeralde Credit Card<\/strong><\/h2>\n\n\n\n<p>The <strong>ICICI Emeralde Credit Card<\/strong> gives round-the-clock support through the i-Assist team. Complimentary golf rounds remain a key lifestyle feature.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>24&#215;7 Concierge Assistance<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You get help with restaurant reservations, hotel and flight referrals, car rentals, and gift delivery.<\/li>\n\n\n\n<li>Movie ticket assistance is also available in select cities.<\/li>\n\n\n\n<li>The <a href=\"https:\/\/www.icici.bank.in\/ms\/Personal-Banking\/cards\/consumer-cards\/credit-card\/emeralde-credit-card\/Concierge.html\" target=\"_blank\" rel=\"noopener\">i-Assist team<\/a> can arrange medical guidance and emergency transport when required.<\/li>\n\n\n\n<li>Auto assistance is offered in major metros for quick on-road support such as towing, repair and more.<\/li>\n<\/ul>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Golf Programme Access<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Create a Golftripz account using your ICICI-registered email ID to unlock your free round.<\/li>\n\n\n\n<li>The round appears after the tenth day of the next month and stays valid for two months.<\/li>\n\n\n\n<li>Browse available tee times and book your slot anytime through the portal.<\/li>\n<\/ul>\n\n\n\n<p><strong><em>Note:<\/em><\/strong><em> You may also call i-Assist for booking help.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"icici-emeralde-credit-card-eligibility\"><strong>ICICI Emeralde Credit Card Eligibility<\/strong><\/h2>\n\n\n\n<p>Anyone between 21-65 years of age can apply. Salaried applicants must earn at least \u20b91,50,000 per month, while self-employed applicants need a minimum annual income of \u20b918,00,000.<\/p>\n\n\n\n<p>You must provide valid identity proof, an accepted address proof, and income proof as per the card rules. No physical paperwork is needed, as the entire verification process stays digital and seamless.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"icici-emeralde-credit-card-charges\"><strong>ICICI Emeralde Credit Card Charges<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td><strong>Joining and Annual Fee<\/strong><\/td><td>\u20b912,000 + GST<\/td><\/tr><tr><td><strong>Forex Markup<\/strong><\/td><td>2%<\/td><\/tr><tr><td><strong>Finance Charges<\/strong><\/td><td>3.75% per month<\/td><\/tr><tr><td><strong>Card Replacement Fee<\/strong><\/td><td>\u20b9200<\/td><\/tr><tr><td><strong>Late Payment Fee<\/strong><\/td><td>For &lt;\u20b9100 &#8211; NILFor \u20b9100 &#8211; \u20b950,000: \u20b9100 &#8211; \u20b91300<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong><em>Note: <\/em><\/strong><em>Cross the yearly spends of \u20b910 lakh to receive a full waiver on the next year\u2019s annual fee.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"things-to-know-about-the-emeralde-credit-card-from-icici\"><strong>Things to Know About the Emeralde Credit Card from ICICI<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The card also has a higher version called ICICI Bank Emeralde Private Metal Credit Card.<\/li>\n\n\n\n<li>Air accident cover applies only when the card is used at least once in the previous 60 days.<\/li>\n<\/ul>\n\n\n\n<p><strong><em>Note:<\/em><\/strong><em> Insurance benefits apply only to international trips booked with the <\/em><strong><em>ICICI Emeralde Credit Card<\/em><\/strong><em>. These covers remain exclusive to the primary cardholder, and supplementary users do not receive this protection.<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Golf rounds appear in your account by the 10th of the next month and stay valid for 2 months.<\/li>\n<\/ul>\n\n\n\n<p><em>Another important thing to know? Keep the <\/em><a href=\"https:\/\/piceapp.com\/\"><em>Pice App<\/em><\/a><em> on your phone. It alerts you before every due date and updates you when a bill is processed, pending, or fully paid.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"footnotes\"><strong>Footnotes:<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Call 1800 26 70731 (toll-free for MTNL\/BSNL) or 022 6787 2016 to get in touch with the i-Assist team.<\/li>\n\n\n\n<li>The auto assistance is available in New Delhi, Kolkata, Hyderabad, Mumbai, Bengaluru and Chennai.<\/li>\n\n\n\n<li>The booking and delivery of movie tickets is currently only available in New Delhi, Mumbai, Chennai and Bengaluru.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\"><strong>FAQs<\/strong><\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1765543464247\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How can I earn iCash on my ICICI card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You earn iCash on every successful purchase made through iShop using ICICI Net Banking. The rate of iCash depends on the spend category and active offers.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765543475290\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How do I apply for an ICICI Bank Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can apply online through the ICICI Bank website by choosing a suitable card and filling out the form. You may also visit a branch where a bank officer will guide you through the process.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765543532755\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can I take a loan against my ICICI credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Cardholders with a good usage and repayment record may qualify for a credit card loan. Final approval follows the bank\u2019s internal policy.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765543536102\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How do I link my RuPay Credit Card to UPI?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Open the iMobile app, go to UPI Payments, and open UPI Settings. Select the add option and link your RuPay Credit Card to start UPI payments.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765543545218\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How do I cancel a flight booking made on iShop?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Open your profile and go to the My Orders section. Select the booking, choose Cancel Booking, and follow the steps. Airline rules decide the final cancellation charges.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765543557136\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">When are my Reward Points or cashback added?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Reward Points or cashback usually reflect within 90 days of the transaction or 45 days after the travel or stay. Once posted, you can view and redeem them on the ICICI rewards platform or iShop.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765543566369\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">When will iCash appear in my account?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>iCash is added within two days after the travel date or voucher delivery. You can use it for future iShop purchases once it shows in your balance.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The ICICI Emeralde Credit Card serves high-income users who want strong lifestyle value in one place. It delivers premium benefits and steady rewards across daily and luxury spends. Cardholders earn up to 4 Reward Points per \u20b9100 on domestic and international transactions, and 1 Reward Point on utilities and insurance. These points convert [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":83170,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-83051","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83051","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=83051"}],"version-history":[{"count":3,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83051\/revisions"}],"predecessor-version":[{"id":83166,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83051\/revisions\/83166"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/83170"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=83051"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=83051"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=83051"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}