Money & Banking

ICICI Bank introduces super-premium credit card Emeralde

BL Internet Desk Mumbai | Updated on February 28, 2019 Published on February 28, 2019

ICICI Bank’s new super-premium credit card, the ‘ICICI Bank Emeralde Credit Card’.

Annual benefits estimated to be around Rs 3 lakh

ICICI Bank has launched a super-premium credit card, the ICICI Bank Emeralde Credit Card, in two variants – American Express and Mastercard. The Emeralde Credit Card is targeted at salaried customers with a minimum income of Rs 3 lakh a month and self-employed customers with an annual income tax return of at least Rs 30 lakh.

Here are the key benefits of the ‘ICICI Bank Emeralde Credit Card’:

Travel benefits (Domestic and International)

  1. Unlimited complimentary international and domestic lounge access
  2. Unlimited complimentary spa access at airports in India
  3. Industry lowest mark-up of 1.5per cent on currency conversion charges on international transactions, in comparison to industry mark-up of 3.4per cent

Financial benefits

  1. Refund of up to Rs.12,000 on two transactions every year on cancellation charges of any hotel, flight, travel and movie ticket bookings
  2. No over limit fee, cash withdrawal fee and late payment charges

Lifestyle benefits

  1. Exclusive discounts at VLCC, Kaya Skin Clinic, Richfeel, True Fitt n Hill and Gold’s Gym
  2. Buy one get one offer on movie and event tickets, up to four times every month
  3. Up to four complimentary rounds/ lessons of golf every month basis eligible card spends


  1. Four PAYBACK points on every Rs.100 spent on all retail transactions except fuel
  2. One PAYBACK point on every Rs.100 spent on utilities and insurance categories


  1. Air accident insurance of Rs. 3 crore
  2. Lost baggage insurance of USD 1200
  3. Loss of travel document insurance of USD 500
  4. Lost card liability of Rs 50,000

Flexible membership plan

  1. The customer can opt to pay fee for the card monthly or annually, basis their spend behaviour. There is also a waiver available on specified spends
  2. Customers get a waiver of monthly fee of Rs.1,000 on card spends more than Rs.100,000 in the previous month
  3. They also enjoy waiver of joining fee and annual fee of Rs. 12,000 on card spends of more than Rs.1,500,000 annually

Additional benefits on American Express variant

  1. Unlimited complimentary airport Wi-Fi access globally
  2. A complimentary dining voucher worth Rs. 7,500 from Trident Hotels, valid for redemption on the full menu
  3. Gift Voucher worth Rs. 5,000 from Da Milano on specified spends on the card in the first two months of joining
  4. 30per cent off on annual gym membership of Talwalkars Gym and Health Clubs
  5. Special discounts on all services at O2 Spa outlets across the country

Sudipta Roy, Head, Unsecured Assets & Cards, ICICI Bank said, “We are delighted to introduce a compelling proposition for the affluent Indian professionals and entrepreneurs, who travel globally extensively and have high lifestyle aspirations. In accordance with this thought, the ‘ICICI Bank Emeralde Credit Card’ offers unmatched experiences and indulgences across travel, wellness, lifestyle and luxury categories.”

“We believe that this card is sure to add a new dimension to consumer experience in the Indian digital payments space and will contribute largely to the growth of the Bank’s credit card portfolio,” Roy added.

How to apply?

To apply for ICICI Bank Emeralde Credit Card, one can visit the bank’s website and branches or SMS “EMERALDE” to 5676766.

More information on this credit card, click here.

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Published on February 28, 2019
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