ICICI Bank Emeralde Credit Card

Redemption value

• Redemption Handling Fee: ICICI Bank Rewards Scheme ₹99.
• For ICICI Bank Rewards powered by ICICI Bank Rewards scheme: Catalogue Based Redemptions ₹99.
• Reward points expire 36 months from date of issuance.

Verified · mitc · 2026-08-12 · source

Reward cap

• Reward Points per statement cycle capped for: Utility spend ₹80,000.
• Insurance spend ₹80,000.
• Grocery and Departmental spend ₹40,000 (w.e.f. Nov 15, 2024).
• Transportation transaction capped at ₹20,000 per statement cycle (w.e.f. Feb 01, 2026).

Verified · mitc · 2026-08-12 · source

Reward exclusion

• No reward points on Cash and Rent categories.
• No reward points on E-Wallet Reload category.
• No reward points on Fuel category.

Verified · mitc · 2026-08-12 · source

Lounge access

• Unlimited complimentary domestic airport lounge access (ICICI Bank Emeralde Master/Visa/AmEx Credit Card - Unlimited).
• The revised spend-based domestic lounge access criteria (spend ₹75,000 in preceding quarter) does NOT apply to ICICI Bank Emeralde Credit Card.
• Lounge access valid for up to 3 hours per visit.
• An authorisation amount of ₹2 (Visa/Mastercard/RuPay) or Re. 1 (AMEX) taken at entrance.

Verified · lounge_travel · 2026-08-12 · source

Travel benefit

• Cancellation For Any Reason (CFAR) cover: Bookings done through the ICICI Bank Emeralde Credit Card eligible for cancellation.
• Coverage for non-refundable amount (excluding convenience charges).
• Maximum indemnification limit per transaction ₹12,000.
• Per card ₹12,000.
• Applicable for first two Domestic flight, hotel and movie cancellations.
• Coverage provided till 24 hours before travel/stay date.
• Applicable for 4-star/5-star hotels.
• Intimation to Bank within 60 days from date of incidence.

Verified · harvested from product page · 2026-08-12 · source

Welcome benefit

TataCliQ Voucher worth ₹5,000 (Welcome Gift Voucher for Emeralde Amex Credit Cards; qualifying spend threshold not stated on official source).

Verified · welcome_offer · 2026-08-12 · source

Insurance

• Insurance cover (Policy 4049/418250307/00/000): Personal Accident due to Air (Death only) ₹3,00,00,000.
• Purchase Protection ₹1,40,000.
• Plane Hijacking ₹1,00,000.
• Credit Shield ₹1,00,000.
• Loss of Checked in Baggage ₹84,000.
• Card Liability Cover ₹50,000.
• Medical Expenses for Bodily injury (Rail/Road accident) ₹50,000.
• Loss of Passport and travel related documents ₹35,000.
• Baggage Insurance ₹25,000.
• Delay of Checked in Baggage ₹21,000.
• Missing of Connecting International Flight During Transit ₹21,000.
• Delay in Flight ₹17,500.
• Only Primary card holders covered.

Verified · harvested from product page · 2026-08-12 · source

Milestone benefit

• BookMyShow offer (w.e.f. Jan 15, 2026): enjoy the offer on the ICICI Bank Emeralde Credit Card by spending ₹25,000 or more in the preceding quarter.
• Cycle repeats every quarter.

Verified · mitc · 2026-08-12 · source

Forex markup

2% mark-up on foreign currency transactions (w.e.f. Nov 15, 2024).

Verified · mitc · 2026-08-12 · source

Charge

• Finance charges 3.75% per month i.e. 45% per annum (w.e.f. Nov 15, 2024).
• Cash advance transaction fee - Nil for Emeralde Credit Card.
• Late payment charges (excluding Emeralde Private Metal): Nil below ₹100, ₹100 (₹100-500), ₹500 (₹501-1,000), ₹600 (₹1,001-5,000), ₹750 (₹5,001-10,000), ₹900 (₹10,001-25,000), ₹1,100 (₹25,001-50,000), ₹1,300 (above ₹50,000).
• Over-limit charges - Emeralde Credit Card is excluded from over-limit fee.
• Card replacement fee ₹100 (current) / ₹200 w.e.f. July 1, 2024.
• Dynamic Currency Conversion fee 2% for Emeralde Credit Card (w.e.f. Jan 15, 2026, current 1%).
• Rent Pay 1% fee.
• Fuel transaction 1% fee over ₹10,000 (w.e.f. Nov 15, 2024).
• Utility transaction 1% fee over ₹50,000 (w.e.f. Nov 15, 2024).
• Transportation transaction 1% fee over ₹50,000 (w.e.f. Jan 15, 2026).
• Education payment 1% fee through third-party apps (w.e.f. Nov 15, 2024).
• Skill-Based Gaming 2% fee (w.e.f. Jan 15, 2026).
• Wallet Load 1% fee for loads of ₹5,000 or more (w.e.f. Jan 15, 2026).
• Cash payment at branches ₹100 current / ₹150 w.e.f. Jan 15, 2026.
• GST 18%.

Verified · Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers Emeralde) · 2026-08-12 · source

Fuel surcharge waiver

• Fuel surcharge waiver of 1% of transaction value on all petrol pumps.
• Applicable for spends up to ₹50,000 per statement cycle (w.e.f. Nov 15, 2024).
• On off-us terminals and non-HPCL outlets, surcharge reversal will not include GST.

Verified · Most Important Terms & Conditions (MITC) – ICICI Bank Credit Cards (covers Emeralde) · 2026-08-12 · source

Interest-free period

• Interest free period ranges from 18 to 48 days.
• Grace period of 3 days after payment due date.

Verified · mitc · 2026-08-12 · source

Official terms

https://www.icici.bank.in/personal-banking/cards/credit-card/emeralde-credit-card.

Verified · ICICI Bank Emeralde Credit Card product page · 2026-08-12 · source