ICICI Emeralde Credit Card
Ultra-premium travel and lifestyle card
Annual Fee
₹12,000
Reward Rate
4X Points
Lounge Access
Unlimited Global
Key Features & Benefits
Unlimited Lounge Access
Unlimited domestic and international airport lounge access
4X Reward Points
Earn 4X points on travel, dining and international spends
Premium Insurance
₹2 crore travel insurance and comprehensive protection
Concierge Service
24/7 global concierge service for all lifestyle needs
Golf Benefits
Complimentary golf rounds at premium courses worldwide
No Foreign Markup
Zero markup on international transactions
Reward Structure
| Category | Reward Rate | Value |
|---|---|---|
| Travel | 4 points per ₹100 | 4% value |
| Dining | 4 points per ₹100 | 4% value |
| International Spends | 4 points per ₹100 | 4% value |
| All Other Spends | 2 points per ₹100 | 2% value |
Points Value: 1 Point = ₹1 when redeemed
Points Validity: Lifetime validity
Minimum Redemption: 500 points
Ultra-Premium Benefits
Fine Dining
Complimentary meals at Michelin-starred restaurants
Luxury Hotels
Complimentary nights and room upgrades at luxury hotels
Premium Events
Exclusive access to VIP events and experiences
Airport Transfers
Complimentary airport transfers in premium vehicles
Fees & Charges
Annual Fee
₹12,000
Joining Fee
₹12,000
Fee Waiver
On ₹8,00,000 annual spends
Interest Rate
3.35% per month
Cash Advance Fee
2.5% (Min ₹500)
Foreign Currency Markup
Nil
Eligibility Criteria
Requirements
- Age: 21-65 years
- Minimum Income: ₹1,50,000 per month (Salaried)
- Minimum Income: ₹18,00,000 per annum (Self-employed)
- Credit Score: 800+ (preferred)
- Excellent credit history
- High net worth individual
Required Documents
- Identity Proof (Aadhaar/PAN/Passport)
- Address Proof (Aadhaar/Utility Bill)
- Income Proof (Salary slips/ITR)
- Bank Statements (6 months)
- Investment proofs
- Property documents
Pros & Cons
✅ Pros
- Unlimited global lounge access
- Highest reward rate (4X points)
- No foreign currency markup
- Premium concierge service
- Lifetime point validity
- Luxury lifestyle benefits
- Comprehensive insurance
❌ Cons
- Very high annual fee (₹12,000)
- Extremely high income requirements
- High fee waiver threshold
- Invitation-only availability
- Joining fee applicable
- Limited customer base
Apply for ICICI Emeralde Credit Card
Perfect For
- ✅ Ultra-high net worth individuals
- ✅ Frequent international travelers
- ✅ Luxury lifestyle enthusiasts
- ✅ Business executives
- ✅ Premium service seekers