ICICI Bank Emeralde Credit Card

ICICI Bank Emeralde Credit Card is most premium card offered by ICICI Bank that caters luxurious lifestyle of high net worth Individuals. The Card comes with unlimited domestic and International lounge access, Golf privilege, Insurance coverage and many more keeping all the travelling requirement for its premium customer. The card has upgraded variant in the metal edition that can be get by invite only. Many other credit card like HDFC Dinner Club Black, HDFC infinia, Axis Magnus etc. this all card have greater reward value compare to Emeralde ( 1 Reward = ₹0.25) however due to launch of ishop portal you will accelerated reward which can enhance the overall value of this card. Let’s read in detail to know more about this credit card and make easier for you whether to go for this card or not.

ANNUAL FEE
Rs. 12000+GST
BENEFITS
Unlimted Domestic & International Lounge access.
REWARDS &CASHBACK
4 RP per Rs.100 spent on all Retail Transaction Except fuel & 1 RP on every Rs.100 spent on insurance, utility & government Transaction.

Features & Benefits of ICICI Bank Emeralde Credit Card

Emeralde Reward Program

  • Earn 4 Reward point for every ₹100 spent on retail transactions.
  • Earn 1 Reward point for every ₹100 spent on utilities and Insurance categories.
  • No Reward Points on wallet, Cash, Rent, Education, Govt. Institutions, fuel.

Travel Benefits

  • Get complimentary unlimited domestic lounge access for primary and add-on card holder via visa/Amex/mastercard.
  • Get complimentary unlimted International lounge access for only primary cardholder through priority pass.
  • Get Travel cancellation cover with refund of upto ₹12,000 on hotels/flight booking and maximum 2 transaction per year.

Fuel Surcharge Waiver

  • Get 1% Fuel surcharge waiver on all fuel transaction between Rs.400 to Rs.4000. Fuel surcharge waiver on fuel spend up to ₹50,000 per month.

Annual Benefits

  • Annual fee that is ₹12,000+GST will be waived off on spending ₹10 lakh in previous year.

Movie and Dining Benefits

  • Get 50% off on booking atleast two movie ticket on bookmyshow. Maximum discount is ₹750 four times in a month.
  • Get minimum 15% off on dining bill under ICICI Bank culinary treat program.

Golf Privileges

  • Get complimentary 1 golf round/lesson per month on spend of ₹50,000 in previous month and maximum 4 gold round can be availed in a month.
  • To get golf lesson you need to register your emeralde card on Golftripz website.

Other Benefits

  • Get 24 × 7 concierge services for like reservation at restaurant, flight/hotel booking, Gift, Car rentals, Booking movie tickets and many more
  • You will charged 1% on rent transaction.
  • You will be charged 1% on Education fee payment on third party app but no charges on direct payment on school website or POS.
  • Get Insurance benefits like Air accident (upto ₹3 crore) , baggage Insurance (upto ₹25,000), Delay of checked-in baggage (upto ₹21,000), Loss of passport/Travel document (upto ₹35,000), Medical expenses due to rail road accident (upto ₹50,000), Loss of checked-in baggage (upto ₹84,000) and many more.

Fees & Charges

Foreign Currency Markup

  • The card come with marginal foreign currency markup fee that is 2% of total transaction amount which is lower compared to other credit card in the market. This is plus point for this credit card which become good choice for International spends.

Finance Charges & Cash withdrawal Fee

  • Interest rate is 3.75% per month that is approx 45% per annum.
  • Cash withdrawal fee is NIL.

Eligibility Criteria

  • The applicant age must be 21-60 years for salaried employee and 25-65 years for self employed and he/she should be resident of India.
  • The salary of an individual should be ₹1,50,000 or above or annual income tax return filed ₹18,00,000 or above.
  • Pros & Cons

Pros

  • Unlimited lounge access.
  • Low foreign markup fee.
  • Reward on utility and Insurance.

Cons

  • Very low reward rate.
  • No options for Airmile conversion.
  • Low reward rate redemption value.
  • Final Thoughts

Keeping in mind all reward and benefits, the card lack in reward value and if you look into the upgraded variant metal edition it offer better reward value. But still If you look other section like unlimited domestic and International lounge access, Movie benefits, golf privilege etc. it holds a good value. It also give rewards on most neglected categories utilities and insurance and additionally it also have low foreign markup fee. Overall this credit card is good to go but if you are getting upgraded variant then go for it.

  • Frequently Asked Questions
Do I get both complimentary Domestic & International lounge access?

Yes, You will get unlimited complimentary domestic and International lounges access for primary  cardholder.

 Yes, You need to spend ₹10 lakh in previous year to get waived off the fees. 

The ICICI Bank Credit Card Customer care number is 1860 120 7777 .

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