Unveiling Opulence: The ICICI Emeralde Credit Card Experience


The ICICI Emeralde Credit Card epitomizes luxury and exclusivity, redefining the credit card landscape with its array of premium features and benefits. Issued by ICICI Bank, this credit card is tailored for individuals who appreciate the finer things in life. Let’s embark on a journey to unravel the opulence of the ICICI Emeralde Credit Card, exploring each step from application to the myriad perks it offers.

Application Process and Eligibility: Securing the ICICI Emeralde Credit Card begins with a seamless application process. Prospective cardholders can apply online or visit an ICICI Bank branch to initiate the process. Eligibility criteria typically revolve around income levels and credit scores, ensuring that the card is extended to individuals who can relish its premium benefits.

Welcome Rewards and Onboarding: Upon successful application, new cardholders are greeted with a shower of welcome rewards. These may include bonus points, complimentary memberships, or exclusive discounts, setting the stage for a delightful onboarding experience. ICICI Bank’s commitment to making the initiation memorable adds a touch of grandeur to the cardholder’s journey.

Credit Limit and Customization: The ICICI Emeralde Credit Card offers a substantial credit limit, aligning with the financial standing of the cardholder. This robust spending power enables users to indulge in high-value transactions with ease. Additionally, the card often provides customization options, allowing users to tailor their credit limits based on their preferences and spending habits.

Reward Points and Accelerated Earnings: Earning reward points is a hallmark of the ICICI Emeralde Credit Card experience. Every transaction, whether it’s dining, travel, or shopping, accrues reward points. The card often features accelerated earnings on specific categories, catapulting users towards premium rewards such as international vacations, luxury merchandise, or exclusive experiences.

Travel and Lifestyle Benefits: For the avid traveler, the ICICI Emeralde Credit Card unfolds a world of exclusive travel benefits. These may include complimentary airport lounge access, travel insurance coverage, and discounts on hotel bookings. The card seamlessly integrates into the lifestyle of the discerning individual, adding an extra layer of comfort and luxury to their journeys.

Concierge Services and Assistance: One of the standout features of the ICICI Emeralde Credit Card is its concierge services. Cardholders can leverage this service for a spectrum of requests, from booking reservations at fine dining establishments to securing event tickets. The concierge becomes a personal assistant, enhancing the cardholder’s lifestyle and saving valuable time.

Dining Privileges and Culinary Experiences: Dining becomes an art with the ICICI Emeralde Credit Card, which often comes with exclusive dining privileges. Users can enjoy discounts at partner restaurants, curated culinary experiences, and even complimentary meals. The card’s focus on elevating the dining experience aligns with the sophisticated palate of its users.

Wellness and Insurance Coverage: Beyond the realms of leisure, the ICICI Emeralde Credit Card extends its care to the cardholder’s well-being. Wellness benefits, including access to fitness centers and spa facilities, are often part of the card’s offerings. Comprehensive insurance coverage, encompassing health and travel insurance, adds a layer of security to the cardholder’s lifestyle.

Exclusive Events and Entertainment: The ICICI Emeralde Credit Card ensures that its users are not just spectators but active participants in exclusive events. From VIP access to cultural performances to invitations to high-profile gatherings, the cardholder is ushered into a world where entertainment transcends the ordinary.

Digital Banking and Security Features: ICICI Bank’s commitment to digital excellence is reflected in the ICICI Emeralde Credit Card’s online capabilities. Cardholders can manage their accounts, track expenses, and redeem rewards seamlessly through the bank’s digital platforms. Advanced security features, including fraud detection and biometric authentication, safeguard the cardholder’s financial transactions.

Emeralde Card ICICI

The ICICI Emeralde Credit Card is a premium lifestyle card designed for High Net Worth Individuals who want to take advantage of lavish amenities on their card. This card’s premium features include unlimited free lounge access, golf lessons/rounds at the greatest golf courses, and hotel membership.

It is one of the super-premium credit cards in India, with a plethora of features.

Highlights of the ICICI Bank Emeralde Credit Card

Suitability Lifestyle
Annual Fees Rs. 12,000
Reward With your Emeralde credit card, you can get a 50% discount on the yearly membership price at Gold’s Gym.

ICICI Emeralde Credit Card Benefits and Features

  • Annual benefits are projected to be around Rs 30,000 per year.
  • Buy a ticket and get up to Rs. 750 off the second ticket through BookMyShow up to four times per month.
  • Enjoy lunch with your loved ones for your birthday with a Trident Hotels dining coupon worth 7,500, redeemable on the entire menu at any Trident Hotel near you. This deal is only available with American Express.
  • Da Milano will give you a 5,000 Gift Voucher for spending 200,000 on your card in the first two months of membership. This deal is only available with American Express.
  • The promotion applies to all movie and non-movie tickets purchased through BookMyShow.
  • Perfect your swing with unique access and benefits at the most prominent golfing greens in India and throughout the world, including a complimentary round/lesson of golf for every 50,000 or more that is spent on the credit card in the previous calendar month, up to a highest of four rounds/lessons each month.
  • xDiscounts are available at VLCC, Kaya Skin Clinic, Richfeel, True Fitt n Hill, and Gold’s Gym.
  • Rs. 3 crore in air accident insurance.
  • The liability for a lost card is Rs 50,000.

Fees and Charges of ICICI Emerald Credit Card

Joining Fees Rs. 1000 p.m
Annual Charges Rs. 1000 p.m.
Reward Tata CliQ voucher with a cash value of Rs. 5,000 redeemable on your birthday at www.tatacliq.com (applicable only for AmEx variant)

Eligibility to Apply for the ICICI Emerald Credit Card

A variety of things determines a credit card’s qualifying criteria. Examine the key credit card qualifying criteria-

Nationality Indian or NRI
Employment Salaried or self-employed
Age Above 18 years
Income Over Rs. 3 lakhs

Documents Required to Apply

Provide the following papers while applying for an ICICI Bank Emeralde Credit Card:

  • Address Proof (Aadhaar card, Voter ID card, etc.)
  • A copy of the ITR
  • Employment and pay documentation
  • PAN number


The ICICI Emeralde Credit Card is not just a financial tool; it is a lifestyle companion that elevates every facet of the cardholder’s experience. From the allure of exclusive rewards to the practicality of robust credit limits, each step in the cardholder’s journey is infused with a touch of luxury. As ICICI Bank continues to innovate and redefine premium banking, the Emeralde Credit Card remains a testament to the convergence of financial prowess and opulent living, providing a passport to a world where indulgence knows no bounds.

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