cards / credit / icici bank / icici-emeralde-credit-card
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§ BENEFITS
Unlimited Domestic Lounge Access
Unlimited complimentary domestic airport lounge visits
Unlimited
Unlimited International Lounge Access
Unlimited complimentary international airport lounge visits via Priority Pass
Unlimited
Reward Points on All Spends
Earn 6 reward points per ₹100 on all domestic and international transactions
6 RP per ₹100
Complimentary Golf Privileges
4 complimentary golf rounds per quarter at premium courses
4 rounds/quarter
24/7 Global Concierge Services
Dedicated global concierge for travel, dining, entertainment, and lifestyle needs
Included
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
1% waiver
Comprehensive Insurance Coverage
₹5 Crore air accident cover, ₹1 Crore overseas hospitalization, ₹10 Lakh credit liability
Up to ₹5 Crore
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹30,00,000
- Min monthly salary
- ₹2,00,000
- Age
- 21 – 60
- Min credit score
- 775
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹12,000
- Annual fee
- ₹12,000
- APR (monthly)
- 3.25% p.m.
- APR (annual)
- 39.00% p.a.
- Late payment fee
- ₹1,200
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Plus GST
† Plus GST
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 0
- Own bank charge
- ₹200
- Other bank free / month
- 0
- Other bank charge
- ₹200
- International withdrawal
- ₹250
- Cash advance fee
- 2.5%
† + 3.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 3.5%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- —
- Physical statement
- —
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹400
- Max txn
- ₹5,000
- Max waiver / cycle
- ₹500
- Networks
- All
§ LIMITS
- ATM / day
- ₹75,000
- POS + e-com / day
- ₹10,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹1,00,000
§ INSURANCE
- Accidental death cover
- ₹5,00,00,000
- Permanent disability
- ₹5,00,00,000
- Air accident
- ₹5,00,00,000
- Travel insurance
- ₹1,00,00,000
- Baggage
- ₹2,00,000
- Lost-card liability
- ₹10,00,000
- Purchase protection
- ₹5,00,000
† within 24 h of loss
† 90 days
§ REWARDS
- Programme
- ICICI Reward Points
- Earn rate
- 6 RP per ₹100 on all spends
- Point value
- ₹0.35
- Effective cashback
- 2.10%
- Min redemption
- 500 pts
- Expiry
- 3 years from date of accrual
§ LOUNGE
- Domestic
- Unlimited
- International
- Unlimited via Priority Pass
- Domestic guests allowed?
- Yes
- International guests allowed?
- Yes
† value ₹2,500 per visit
† value ₹3,500 per visit
§ SIMILAR CARDS
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