ICICI Bank Emeralde Credit Card

9.2
Expert ScoreRead review
  • Tata CliQ voucher with a monetary value of Rs. 5,000 redeemable for purchases at www.tatacliq.com on your birthday (applicable for AmEx variant only)
  • Unlimited complimentary domestic and international airport lounge access along with complimentary spa access at select domestic airports.
  • Up to Rs. 750 off on purchase of second ticket onwards (up to max 4 tickets/month) on BookMyShow for all movie and non-movie ticket purchases.
  • Complimentary golf round/lesson on every Rs. 50,000 spent on the card in the previous month (up to max 4 rounds/lessons per month).
  • Nominal Foreign Currency Markup of 1.5% and a lower interest rate of 1.99% on cash withdrawals.
  • Reversal of cancellation charges (up to Rs. 12,000) on a max 2 transactions/year for flight/hotel/movie ticket booking.
  • Choice between monthly and annual plans for card membership.
  • Get up to 4 Reward Points every time you spend Rs. 100.

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Category:

ICICI Bank Emeralde Credit Card

9.2
Expert ScoreRead review
  • Tata CliQ voucher with a monetary value of Rs. 5,000 redeemable for purchases at www.tatacliq.com on your birthday (applicable for AmEx variant only)
  • Unlimited complimentary domestic and international airport lounge access along with complimentary spa access at select domestic airports.
  • Up to Rs. 750 off on purchase of second ticket onwards (up to max 4 tickets/month) on BookMyShow for all movie and non-movie ticket purchases.
  • Complimentary golf round/lesson on every Rs. 50,000 spent on the card in the previous month (up to max 4 rounds/lessons per month).
  • Nominal Foreign Currency Markup of 1.5% and a lower interest rate of 1.99% on cash withdrawals.
  • Reversal of cancellation charges (up to Rs. 12,000) on a max 2 transactions/year for flight/hotel/movie ticket booking.
  • Choice between monthly and annual plans for card membership.
  • Get up to 4 Reward Points every time you spend Rs. 100.
Category:
Reward Type
Reward Points
Renewal Fee
Rs. 1,000 + GST (per month)
Joining Fee
Rs. 1,000 + GST (per month)
Type of Card
Reward
Welcome Benefits
NA

USP of Card

  • Tata CliQ voucher with a monetary value of Rs. 5,000 redeemable for purchases at www.tatacliq.com on your birthday (applicable for AmEx variant only)
  • Unlimited complimentary domestic and international airport lounge access along with complimentary spa access at select domestic airports.
  • Up to Rs. 750 off on purchase of second ticket onwards (up to max 4 tickets/month) on BookMyShow for all movie and non-movie ticket purchases.
  • Complimentary golf round/lesson on every Rs. 50,000 spent on the card in the previous month (up to max 4 rounds/lessons per month).
  • Nominal Foreign Currency Markup of 1.5% and a lower interest rate of 1.99% on cash withdrawals.
  • Reversal of cancellation charges (up to Rs. 12,000) on a max 2 transactions/year for flight/hotel/movie ticket booking.
  • Choice between monthly and annual plans for card membership.
  • Get up to 4 Reward Points every time you spend Rs. 100.

Fees & Charges

Spend Based Waiver
Monthly fee reversed on the expenditure of Rs. 1,00,000 in the previous month, annual fee reversed on an annual spend of Rs. 15,00,000 in the previous anniversary year.
Interest Rates
3.40% per month (or 40.80% annualized)
Cash Advance Charges
1.5% of the total transaction amount
Rewards Redemption Fee
Rs. 99 + GST on each redemption request
Fuel Surcharge
1% fuel surcharge waived on all fuel purchases at all fuel pumps across the country.1% fuel surcharge waived on all fuel purchases at all fuel pumps across the country.
Foreign Currency Markup
NIL (Interests charges applicable)
Late Payment Fee
-
Add-on Card Fee
Nil

Rewards & Benifit

Movie & Dining offers
A discount of up to Rs. 750 on BookMyShow second movie/event ticket onwards (max 4 tickets per month), no cancellation charge on movie ticket cancellation
Reward Redemption
The earned Reward Points can be redeemed against gifts or cash credit, where 1 Reward Point = Rs. 0.25
Zero Liability Protection
Get a liability protection cover worth Rs. 50,000 against a lost/stolen card applicable from 2 days before reporting the loss and till 7 days after it.
Rewards Rate
4 RPs on every Rs. 100 spent on all transactions (except fuel, utilities and insurance categories) and 1 RP on every purchase of Rs. 100 on insurance and utilities.
Travel
Complimentary international & domestic lounge visits, no charge (waived up to a max of Rs. 12,000) on cancellation of flight/hotel/movie ticket bookings up to max two cancellations every year
Online Shopping offers
NA
Insurance Benefits
Credit Shield insurance worth Rs. 50,000, an air accidental death cover worth Rs. 3 crore and many other insurance benefits under travel category (as illustrated later in the article)
Domestic Lounge Access
Complimentary unlimited domestic airport lounge access under the MasterCard/American Express/Visa lounge program
International Lounge Access
Complimentary unlimited international airport lounge access under the Dreamfolks program membership
9.2Expert Score
  • Tata CliQ voucher with a monetary value of Rs. 5,000 redeemable for purchases at www.tatacliq.com on your birthday (applicable for AmEx variant only)
  • Unlimited complimentary domestic and international airport lounge access along with complimentary spa access at select domestic airports.
  • Up to Rs. 750 off on purchase of second ticket onwards (up to max 4 tickets/month) on BookMyShow for all movie and non-movie ticket purchases.
  • Complimentary golf round/lesson on every Rs. 50,000 spent on the card in the previous month (up to max 4 rounds/lessons per month).
  • Nominal Foreign Currency Markup of 1.5% and a lower interest rate of 1.99% on cash withdrawals.
  • Reversal of cancellation charges (up to Rs. 12,000) on a max 2 transactions/year for flight/hotel/movie ticket booking.
  • Choice between monthly and annual plans for card membership.
  • Get up to 4 Reward Points every time you spend Rs. 100.
Best values score
9.2
9.2Expert Score
  • Tata CliQ voucher with a monetary value of Rs. 5,000 redeemable for purchases at www.tatacliq.com on your birthday (applicable for AmEx variant only)
  • Unlimited complimentary domestic and international airport lounge access along with complimentary spa access at select domestic airports.
  • Up to Rs. 750 off on purchase of second ticket onwards (up to max 4 tickets/month) on BookMyShow for all movie and non-movie ticket purchases.
  • Complimentary golf round/lesson on every Rs. 50,000 spent on the card in the previous month (up to max 4 rounds/lessons per month).
  • Nominal Foreign Currency Markup of 1.5% and a lower interest rate of 1.99% on cash withdrawals.
  • Reversal of cancellation charges (up to Rs. 12,000) on a max 2 transactions/year for flight/hotel/movie ticket booking.
  • Choice between monthly and annual plans for card membership.
  • Get up to 4 Reward Points every time you spend Rs. 100.
Best values score
9.2

Specification: ICICI Bank Emeralde Credit Card

Bank Name

ICICI Bank

Type of Credit Card

Joining Fees

Renewal fees

Best Suited for

Reward Type

Welcome Benifits

Movie & Dining Offers

Travel Offers

online shopping offers

Reward redemption

Reward Rate

Domestic Lounge Access

International lounge access

Insurance Benifits

Zero liability protection

Spend based waiver

Reward redemption charges

Foreign currency markup Charges

Interest Charges

Fuel Surcharges

Cash advance charges

Interest Free credit periods

Add on card fee

ELIGIBILITY CRITERIA

Late Payment Fee

Partner Discounts

Reward offer savings

USP of Card

BestValue Score

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ICICI Bank Emeralde Credit Card
ICICI Bank Emeralde Credit Card

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