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Features of ICICI Bank Emeralde Credit Card

  • Flexible Membership Plans: Annual Plan: Pay a joining fee of ₹12,000 + GST, which is reversed if you spend ₹15,00,000 or more in the first year. The annual fee for subsequent years is also ₹12,000 + GST, reversible with ₹10,00,000 annual spends. Monthly Plan: Pay ₹1,000 + GST per month, waived if you spend ₹1,00,000 in the previous month.
  • Reward Points Program: Earn 4 reward points per ₹100 spent on retail transactions (excluding fuel) and 1 reward point per ₹100 on utilities, insurance, and government transactions. Points can be redeemed for cashback (1 RP = ₹0.25), e-vouchers, travel bookings, or lifestyle products.
  • Travel Benefits: Unlimited airport lounge access, unlimited domestic airport spa access, zero cancellation charges (up to ₹12,000 per transaction), and low forex markup fee of 1.5%.
  • Golf Privileges: One complimentary round/lesson of golf per month for every ₹50,000 spent in the previous month, up to 4 rounds/lessons monthly.
ICICI Emeralde Credit Card
    • Entertainment Benefits: BookMyShow BOGO Offer: Buy one movie or non-movie ticket and get up to ₹750 off on the second, valid up to 4 times monthly. For American Express cards, cashback is credited within 60 days. Birthday Benefits: Tata CliQ voucher worth ₹5,000 (American Express variant, effective February 15, 2022, replacing the earlier Trident Hotels dining voucher of ₹7,500). Da Milano Voucher: ₹5,000 gift voucher on spending ₹2,00,000 within the first two months of card issuance.
    • Dining Discounts: Minimum 15% discount at participating restaurants via the ICICI Bank Culinary Treats Programme. American Express variant offers 25%–50% discounts at 3,000+ restaurants in India and Dubai, plus free cake/dessert on special occasions.
    • Insurance Benefits: Air Accident Cover: Up to ₹3 crore for the primary cardholder (applicable only for international travel tickets purchased with the card). Purchase Protection: Coverage for items purchased with the card. Fraud Protection: Zero liability for lost card or fraudulent transactions if reported promptly. Conditions: Insurance benefits apply only if the card was used at least once in the last 60 days and the minimum due is paid. No coverage for supplementary cards.
    • Concierge Services: 24/7 concierge assistance for hotel/restaurant reservations, flight bookings, car rentals, gift sourcing, and movie ticket delivery. This service caters to the premium lifestyle needs of HNIs.
    • Lifestyle Offers: ₹5,000 Tata CliQ birthday voucher (American Express variant) and ₹5,000 Da Milano voucher on spending ₹2,00,000 within first two months.
    • Low APR on Cash Withdrawals: 1.99% annual percentage rate on ATM cash withdrawals, lower than typical credit card rates.
    • Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹1,000 per statement cycle.
    • Supplementary Cards: Up to 3 add-on cards with lounge access benefits.
    • American Express Variant Exclusives: Tata CliQ Birthday Voucher: ₹5,000 annually. Gym Membership Discount: 15% off at Anytime Fitness. Enhanced Dining Offers: Higher discounts via the Culinary Treats Programme.
    • Contactless Payments: Embedded chip and PIN for secure, fast transactions at POS terminals.
ICICI Emeralde Benefits

Benefits of ICICI Bank Emeralde Credit Card

  • Travel Benefits: Unlimited airport lounge access for primary and supplementary cardholders. Cards issued before November 15, 2024 use Dreamfolks membership (650+ lounges in 100+ countries), while cards issued after use Priority Pass.
  • Unlimited Domestic Airport Spa Access: Access to O2 Spas at major Indian airports via Dreamfolks membership, potentially saving up to ₹24,000 annually (assuming 24 visits at ₹1,000 each).
  • Zero Cancellation Charges: Refund up to ₹12,000 per transaction (max 2 transactions/year) on flight, hotel, or movie booking cancellations.
    • Low Forex Markup Fee: 1.5% + GST on international transactions, compared to the standard 3.5% charged by most cards.
    • Golf Privileges: One complimentary round/lesson per month for every ₹50,000 spent in the previous month, up to 4 rounds/lessons monthly.
    • BookMyShow BOGO Offer: Buy one movie or non-movie ticket and get up to ₹750 off on the second, valid up to 4 times per month.
    • Birthday Voucher: ₹5,000 Tata CliQ voucher annually (American Express variant).
    • Dining Discounts: Minimum 15% discount at participating restaurants via Culinary Treats Programme.
    • Da Milano Voucher: ₹5,000 gift voucher on spending ₹2,00,000 within the first two months of card issuance.
    • Concierge Services: 24/7 assistance for hotel/restaurant reservations, flight bookings, and more.
    • Reward Points Program: 4 reward points per ₹100 on retail spends (excluding fuel), redeemable for cashback (1 RP = ₹0.25).
    • Insurance Benefits: Up to ₹3 crore air accident cover for international travel tickets purchased with the card.
    • Low APR on Cash Withdrawals: 1.99% annual percentage rate on ATM cash withdrawals.
    • Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹1,000 per statement cycle.
    • Fee Waiver Flexibility: Annual fee (₹12,000 + GST) reversed with ₹10,00,000 annual spends, or monthly fee (₹1,000 + GST) waived with ₹1,00,000 monthly spends.
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How to Apply for ICICI Bank Emeralde Credit Card

  • 1. Online Application
    • Visit www.icicibank.com > "Credit Cards" > "Emeralde Credit Card" > "Apply Now"
    • Fill in personal, employment, and income details
    • Upload scanned documents (PDF/JPEG, max 5 MB)
    • Submit and track status using application reference number
  • 2. Offline Application
    • Visit an ICICI Bank branch and request the application form
    • Submit self-attested document copies with originals for verification
    • Processing time: 7-21 days
  • 3. Through Relationship Manager
    • Premium banking customers can apply through their manager
    • Fastest route for high-net-worth individuals
  • 4. Verification and Approval
    • ICICI Bank will verify documents and assess creditworthiness
    • Pre-approved customers may get instant approval
    • New applicants typically approved in 7-14 working days

Eligibility Criteria for ICICI Bank Emeralde Credit Card

  • 1. Income Requirements
    • Salaried: Minimum monthly income of ₹3,00,000 (₹36,00,000 annually)
    • Self-Employed: ITR reflecting ₹30,00,000+ annual income
  • 2. Credit History
    • CIBIL Score: Minimum 750 or higher
    • No payment defaults in last 24 months
  • 3. Age Criteria
    • Primary Cardholder: 21-65 years
    • Supplementary Cardholder: Minimum 18 years
  • 4. Residency
    • Indian residents or NRIs with Indian address
  • 5. ICICI Bank Relationship
    • Preferred if enrolled in Global Private Client program
    • Existing ICICI credit card holders with ₹3,00,000+ limit prioritized
  • 7. Annual Fees Payment
    • The applicant must be willing to pay the applicable annual fee of ₹12,000, or it should be waived based on specific conditions.
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Documents Required for ICICI Bank Emeralde Credit Card

  • 1. Identity Proof (Any One)
    The following government-issued documents are accepted to verify the applicant’s identity:
    Aadhaar Card: Must be linked to the applicant’s current mobile number for OTP verification.
    PAN Card: Preferred due to its mandatory submission for financial verification.
    Passport: Valid for at least 6 months.
    Voter ID: Issued by the Election Commission of India.
    Driving License: Valid and issued by the RTO.
    Specifications: Document must be valid and not expired. Name must match the application form exactly. For Aadhaar, mask the first 8 digits when submitting copies (e.g., XXXX-XXXX-1234).
  • 2. Address Proof (Any One)
    Address proof ensures the card is delivered to the correct location and verifies residency:
    Aadhaar Card: Preferred, provided it matches the delivery address.
    Passport: Must include the current address.
    Utility Bill: Electricity, gas, or telephone bill (not older than 3 months).
    Bank Statement: From any bank, reflecting the applicant’s address (not older than 3 months).
    Rental Agreement: Registered with a government authority, accompanied by a utility bill.
    Voter ID: If the address matches the delivery address.
    Driving License: If the address is current.
    Property Tax Receipt: Issued within the last year.
    Specifications: Address must match the one provided in the application. Utility bills must be in the applicant’s name or accompanied by a relationship proof (e.g., spouse’s bill with marriage certificate). For NRIs, an Indian address (e.g., family residence) is mandatory.
  • 3. Income Proof
    Income proof is critical to verify the high-income eligibility criteria (₹3,00,000/month for salaried or ₹30,00,000/year for self-employed). Requirements vary by employment type:
    For Salaried Individuals:
    - Latest 3 months’ salary slips reflecting a minimum monthly income of ₹3,00,000.
    - Form 16: For the previous financial year, issued by the employer.
    - Bank Statement: Last 3 months, showing salary credits to an account (preferably ICICI Bank).
    - Appointment Letter (optional): May be requested for new employees or if salary slips are insufficient.
    For Self-Employed Individuals:
    - Income Tax Return (ITR): For the last 2 years, with computation of income reflecting ₹30,00,000+ annually.
    - Audited Financial Statements: Balance sheet and profit/loss statement for the last 2 years (if applicable).
    - Bank Statement: Last 6 months, showing business transactions (preferably ICICI Bank).
    - Business Proof (any one):
    - GST registration certificate.
    - Shop and establishment license.
    - Company registration certificate (for private limited companies).
    - Professional license (for doctors, lawyers, CAs, etc.).
    Specifications: Income documents must align with declared income in the application. ITR must be acknowledged by the Income Tax Department (ITR-V or acknowledgment receipt). Bank statements should reflect consistent income credits or business transactions. For NRIs, foreign income proof (e.g., salary slips, tax returns) is acceptable but must be accompanied by an Indian address.
  • 4. PAN Card
    Mandatory for all applicants. PAN is used for financial verification, tax compliance, and linking the card to the applicant’s financial profile.
    Specifications: Must be clear and legible. Name on the PAN card must match other documents. Submit a self-attested copy.
  • 5. Photograph (Optional)
    Requirement: Recent passport-size photograph (3.5 cm x 4.5 cm).
    When Required: Typically requested for offline applications at a branch. May be needed if the identity proof lacks a clear photograph.
    Specifications: White background, recent (within 6 months). Applicant’s face must be clearly visible.
  • 6. Supplementary Card Documents (If Applicable)
    If applying for add-on cards (up to 3 supplementary cards):
    Identity Proof: Aadhaar, PAN, Passport, Voter ID, or Driving License of the supplementary cardholder.
    Relationship Proof (if required): Marriage certificate (for spouse), birth certificate (for children), or other documents proving relationship.
    Photograph: One passport-size photograph of the supplementary cardholder (optional).

Factors Considered for ICICI Bank Emeralde Credit Card Approval

  • 1. Income Level
    Minimum ₹3,00,000 monthly income for salaried or ₹30,00,000 annual income for self-employed.
    Description: The most critical factor, as the card targets high-net-worth individuals.
    Salaried Applicants: Minimum monthly income of ₹3,00,000 (₹36,00,000 annually).
    Self-Employed Applicants: ITR reflecting a minimum annual income of ₹30,00,000.
    Significance: Ensures applicants can sustain the card’s high annual fee (₹12,000 + GST) and meet spending thresholds for fee waivers.
    Verification: Salaried: Salary slips (last 3 months), Form 16, and bank statements. Self-Employed: ITR, financial statements, business bank statements.
    Impact: Income below threshold results in automatic rejection. Higher income increases approval chances and may lead to a higher credit limit.
  • 2. Credit Score and History
    CIBIL score of 750+ preferred with no defaults in last 24 months.
    Description: A strong credit profile is essential to demonstrate financial discipline.
    CIBIL Score: Minimum score of 750 or higher.
    Credit History: No payment defaults, late payments, or loan write-offs in the last 24 months.
    Significance: Indicates the applicant’s ability to manage credit responsibly, crucial for a card with a high credit limit.
    Verification: ICICI Bank pulls the applicant’s CIBIL report during application processing.
    Impact: A score below 750 or recent defaults significantly reduces approval chances.
  • 3. Existing ICICI Bank Relationship
    Global Private Clients or existing credit card holders with ₹3,00,000+ limit prioritized.
    Description: A prior relationship with ICICI Bank enhances eligibility.
    Global Private Client Program: Enrollment guarantees eligibility.
    Existing Credit Cards: Holders of ICICI Bank cards (e.g., Sapphiro, Rubyx) with a credit limit of ₹3,00,000 or higher are prioritized.
    Significance: Demonstrates loyalty and financial stability.
    Verification: Bank reviews account history, transaction volumes, and credit card usage.
    Impact: Strong relationships with ICICI Bank can offset marginal income or credit score issues.
  • 4. Employment Stability
    Salaried: Minimum 2 years with current employer. Self-Employed: Business operational for 3-5 years.
    Description: Stable employment or business operations ensure income consistency.
    Salaried: Minimum 2 years with current employer. Preference for employees of reputed organizations.
    Self-Employed: Business operational for 3-5 years. Preference for professionals or established business owners.
    Significance: Ensures long-term income stability to support the card’s financial commitments.
    Verification: Appointment letter, salary slips for salaried; business registration documents for self-employed.
    Impact: Long tenure with reputed employers or stable businesses boosts eligibility.
  • 5. Debt-to-Income Ratio
    Total monthly debt obligations should not exceed 50% of monthly income.
    Description: This ensures the applicant’s financial stability.
    Significance: High debt obligations may impact the ability to repay the credit card amount.
    Verification: Review of applicant's total debt obligations and monthly income.
    Impact: High debt-to-income ratios may result in rejection of the application.
  • 6. Age
    Primary Cardholder: Between 21 and 65 years. Supplementary Cardholder: Minimum 18 years.
    Description: Ensures the applicant is in a productive earning phase.
    Verification: Checked via identity proof.
    Impact: Applicants outside the age range are ineligible unless special approval is granted.
  • 7. Nationality and Residency
    Indian Residents: Eligible with a permanent Indian address. NRIs: Eligible with an Indian address and verifiable income.
    Description: Ensures card delivery and communication are feasible.
    Verification: Address proof and identity proof for NRIs.
    Impact: Lack of an Indian address disqualifies applicants.

Frequently Asked Questions (FAQs)

1. What is the ICICI Bank Emeralde Credit Card?
The ICICI Bank Emeralde Credit Card is a super-premium credit card offering unlimited airport lounge and spa access, complimentary golf rounds, low forex fees (1.5%), dining discounts, and concierge services. It is available in Visa and American Express variants and targets high-net-worth individuals with a minimum monthly income of ₹3,00,000 (salaried) or annual income of ₹30,00,000 (self-employed).
2. Who is this card best suited for?
The card is ideal for:
  • Frequent travelers who value unlimited lounge/spa access and low forex fees.
  • Golf enthusiasts seeking complimentary rounds/lessons.
  • High-net-worth individuals who can leverage concierge services, dining discounts, and BookMyShow offers.
  • Those who can meet spending thresholds (₹10,00,000 annually or ₹1,00,000 monthly) to waive fees.
3. What are the key benefits of the card?
Key benefits include:
  • Travel: Unlimited domestic/international lounge access, unlimited domestic airport spa access, zero cancellation charges (up to ₹12,000/transaction, max 2/year), and 1.5% forex markup fee.
  • Golf: One complimentary round/lesson per month for every ₹50,000 spent (up to 4/month).
  • Entertainment: Buy-one-get-one (BOGO) offer on BookMyShow (up to ₹750 off, 4 times/month).
  • Dining: Minimum 15% discount via Culinary Treats; 25%–50% with American Express variant.
  • Rewards: 4 points per ₹100 on retail spends, redeemable for cashback (1 RP = ₹0.25) or vouchers.
  • Insurance: Up to ₹3 crore air accident cover.
  • Lifestyle: 24/7 concierge, ₹5,000 Tata CliQ birthday voucher (American Express), ₹5,000 Da Milano voucher on ₹2,00,000 spends in first 2 months.
4. What are the eligibility criteria for the card?
Income:
  • Salaried: Minimum monthly income of ₹3,00,000 (₹36,00,000 annually).
  • Self-Employed: ITR reflecting ₹30,00,000+ annual income.
Credit Score: CIBIL score of 750 or higher with no defaults.
Age: 21–65 years for primary cardholder; 18+ for supplementary cardholder.
ICICI Bank Relationship: Preferred if enrolled in Global Private Client program or holding an ICICI credit card with ₹3,00,000+ limit.
Residency: Indian residents or NRIs with an Indian address.
5. What documents are required to apply?
Identity Proof: Aadhaar, PAN, Passport, Voter ID, or Driving License.
Address Proof: Aadhaar, Passport, utility bill (not older than 3 months), or rental agreement.
Income Proof:
  • Salaried: 3 months’ salary slips, Form 16, bank statement (salary credits).
  • Self-Employed: 2 years’ ITR, audited financials, business proof (GST registration, shop license).
PAN Card: Mandatory.
Photograph: Optional, may be required for offline applications.
Suplicant Card: Identity proof for add-on cardholder.
6. How can I apply for the card?
Online: Visit www.icicibank.com > “Credit Cards” > “Emeralde Credit Card” > “Apply Now.” Fill in personal, employment, and income details. Upload scanned documents (PDF/JPEG, max 5 MB). Submit and track status using the application reference number.
Offline: Visit an ICICI Bank branch and request the application form. Submit self-attested document copies with originals for verification.
Relationship Manager: Premium banking customers can apply through their manager for faster processing.
Processing Time: 7–21 days, depending on verification.
7. Can NRIs apply for the card?
Yes, NRIs can apply if they have:
  • An Indian address for card delivery.
  • An Indian mobile number for OTP verification.
  • Verifiable income equivalent to ₹36,00,000 annually (foreign income proof like tax returns accepted).
8. What are the fees for the card?
Joining Fee: ₹12,000 + GST, reversed if you spend ₹15,00,000 in the first year.
Annual Fee:
  • Annual Plan: ₹12,000 + GST, reversed with ₹10,00,000 annual spends.
  • Monthly Plan: ₹1,000 + GST/month, waived with ₹1,00,000 spends in the previous month.
Forex Markup Fee: 1.5% + GST.
Interest Rate: 3.4% per month (40.8% annually).
Cash Advance Fee: Zero for ATM withdrawals, with a reduced APR of 1.99%.
9. How can I waive the annual fee?
Under the Annual Plan: Spend ₹10,00,000 or more in the card year to reverse the ₹12,000 + GST fee.
Under the Monthly Plan: Spend ₹1,00,000 in the previous month to waive the ₹1,000 + GST monthly fee.
Track spends via the iMobile Pay app to ensure you meet thresholds.
10. How does the lounge access work?
Domestic/International Lounges: Unlimited access for primary and supplementary cardholders.
Cards issued before November 15, 2024: Dreamfolks membership (650+ lounges in 100+ countries).
Cards issued after November 15, 2024: Priority Pass for international lounges.
Process: Present the card and boarding pass at lounge counters. Enroll in Dreamfolks/Priority Pass using instructions provided with the card.
Value: Saves ₹20,000–₹30,000 annually (assuming 10–15 visits at ₹1,500–₹2,000 each).

List of ICICI Bank Emeralde Credit Card Telangana Branches

  • Hyderabad - Begumpet
  • Hyderabad - Bowenpally
  • Hyderabad - Champapet
  • Hyderabad - Chandanagar
  • Hyderabad - Charminar
  • Hyderabad - Chikkadpally
  • Hyderabad - Chintal
  • Hyderabad - Dilsukhnagar
  • Hyderabad - Domalguda
  • Hyderabad - Dr. A.S. Rao Nagar
  • Hyderabad - ECIL
  • Hyderabad - Erragadda
  • Hyderabad - Financial District - Gachibowli
  • Hyderabad - Gachibowli
  • Hyderabad - Habsiguda
  • Hyderabad - Hafeezpet
  • Hyderabad - Himayatnagar
  • Hyderabad - HITEC City
  • Hyderabad - Ibrahimpatnam
  • Hyderabad - Jeedimetla
  • Hyderabad - Jubilee Hills