ICICI Bank Emeralde Credit Card
ICICI Bank
Annual Fee
₹12,000
Joining Fee
₹12,000 + GST
Base Reward
4% points
Foreign Markup
2%
Fee Waiver
Annual Fee Waiver on Spends of ₹10 Lakh or More
Interest Rate
3.75% per month
Product Highlights
- Unlimited complimentary domestic and international airport lounge access.
- Up to ₹750 off on purchase of second ticket onwards on BookMyShow for all movie and non-movie ticket purchases.
- Complimentary golf round/lesson on every ₹50,000 spent on the card in the previous month.
- Reversal of cancellation charges (up to ₹12,000) on a maximum of 2 transactions/year for flight/hotel/movie ticket booking.
Rewards
4 Reward Points on every ₹100 spent on all transactions (except fuel, utilities, and insurance categories) and 1 Reward Point on every purchase of ₹100 on insurance and utilities.
Redemption
1 Reward Point = ₹0.25 against gifts or cash credit
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
entertainment | 4%(4 Reward Points on every ₹100 spent) | No cap |
other | 1%(1 Reward Point on every ₹100 on insurance and utilities) | No cap |
Benefits & Features
Domestic: Unlimited complimentary domestic airport lounge access. International: Unlimited complimentary international airport lounge access. Unlimited complimentary access to lounges at select domestic and international airports.
Fees & Charges
Eligibility
Min Income (Salaried)
₹1,50,000
Min Income (Self-Employed)
₹18,00,000
Available Networks
Pros & Cons
Pros
- Unlimited complimentary domestic and international airport lounge access.
- 4 Reward Points on every ₹100 spent (except fuel, utilities, and insurance).
- No cancellation charge on hotel/flight bookings (up to ₹12,000) for a maximum of 2 transactions per year.
- Complimentary golf round/lesson for high spenders.
Cons
- High annual fee of ₹12,000 + GST.
- Limited to high-income individuals.
- Reward point value is relatively low at ₹0.25.
Additional Info
Excluded Categories