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ICICI Bank Emeralde Credit Card

ICICI Bank Emeralde Credit Card is one of the renowned premium credit cards offered by the ICICI bank. If you have a significant net worth and want to enjoy a luxurious lifestyle, then this credit card is for you. It covers several benefits such as free access to airport lounges, hotel memberships, etc. ICICI Emeralde …

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ICICI Bank Emeralde Credit Card is one of the renowned premium credit cards offered by the ICICI bank. If you have a significant net worth and want to enjoy a luxurious lifestyle, then this credit card is for you. It covers several benefits such as free access to airport lounges, hotel memberships, etc.

ICICI Emeralde Credit Card is available in two different variants i.e. Mastercard and American Express. It belongs to the gemstone collection of credit cards called the Emeralde Credit Cards for its customers. New, as well as existing customers can apply for this card. It is equipped with the latest payment methods, EMI facility, personal loan facility, and many more.

Here, we will talk about the different amazing features of the ICICI Bank Emeralde Credit Card and how can easily apply for that.

ICICI Bank Emeralde Credit Card

How to Apply ICICI Emeralde Credit Card With Roopya?

ICICI Bank Emeralde Credit Card is loaded with extravagant lifestyle benefits. You can apply for ICICI Bank Emeralde Credit Card directly by visiting our website. You can follow the below steps to apply for the card.

  1. Visit: Credit card application form
  2. Just follow simple steps & fill in a few details.
  3. Get instant credit approval & we will send the credit card to your address.

If your ICICI Bank Emeralde Credit Card application is approved, you will receive a confirmation message on your registered number. An executive will call you to further the process accordingly.

Here we will talk about the ICICI Bank Emeralde Credit Card, its features, eligibility criteria, application process, and many more. To know more details of this credit card, read below-

Want to compare with other cards? Visit: Compare credit cards

Features and Benefits of ICICI Bank Emeralde Credit Card

ICICI  Emeralde Card is known for its premium benefits. When you get this credit card, you will open new opportunities for leading a luxurious lifestyle. In this section, we will discuss about the different features and benefits in detail that you should know about the ICICI Bank Emeralde Card.

Concierge Benefits

The ICICI Bank has an open concierge desk that is ready to solve your problem any time you want. The concierge service is available for you 24×7 to help with different needs. From making reservations in restaurants and hotels, booking movie tickets, to purchasing gifts. This service is available any time you want.

Lifestyle Benefits

The ICICI Bank Emeralde Credit Card is also available for different lifestyle benefits. In this benefit, you will get amazing discounts at Kaya Skin Clinic, True Fit n Hill, VLCC, Gold’s Gym, and Richfeel.

Along with that, you will get up to 4 complimentary rounds for golf rounds per month in India and across the world. In this benefit, on every spent of Rs. 50,000 or above, you will get a complimentary lesson on golf.

Furthermore, you will also get the buy one get one offer on ICICI Bank Credit Cards for event and movie tickets booking. You can avail of this offer up to four-time in a month. Thus, this is a great opportunity for you to grab.

Flexibility in Membership Plan

ICICI Bank Emeralde Credit Card has an extremely flexible plan for its customers. You can opt to pay the credit card bills monthly as well as annually. Hence, it depends upon the behaviour of the customers. Apart from that, you can also enjoy a waiver that is available for some particular spending.

With the ICICI Bank Emeralde Credit Card, for the monthly spend of Rs. 100,000 in the previous calendar month, you will get a waiver worth Rs, 1,000. Also, you will get a waiver of annual and joining fee of Rs. 12,000 on your credit card for spending R s. 1,500,00 in the previous year.

Insurance Benefits

ICICI Bank Emeralde Credit Card also comes along with insurance covers. In this benefit, you will get insurance of lost baggage insurance worth USD 1200. Secondly, you will get a lost card liability up to worth Rs. 50,000. However, if you lose your credit card, you have to inform the bank immediately. As a result, the bank will take immediate action to block the credit card instantly.

Along with that, you will get insurance worth USD 500 as a loss of travel document insurance. Also, most importantly, the customers of the ICICI Bank Emeralde Credit Card get air accident insurance worth Rs. 3 crore.

These are some other insurance benefits that you will get with this credit card.

  • Flight Delay- $250
  • Loss of the Baggage after checking-in- $1,200.
  • Missed flight by trans shipment- $300
  • Insurance for losing travel documents-$500.
  • Hijacking of the plane- $250 for every hour and up to 12 hours.

Rewards

The users of the Emeralde Credit Card get amazing rewards to enjoy. Hence, as a reward, for spending Rs. 100 in retail transitions, you will get 4 Payback points excluding the fuel transactions.

Secondly, you will receive one payback point for every transaction of Rs. 100 for insurance and other utilities. Furthermore, with these payback points, you can avail of gifts and vouchers.

Travel Benefits

When you become a user of ICICI Bank Emeralde Credit Card, you will get several travel benefits that will elevate your holiday experiences. You will get unlimited complimentary access to domestic and international lounges. Furthermore, you will get unlimited access to the spa at several airports across India.

The ICICI Bank Emeralde Credit Card is one of the best credit cards for international travel. You will get the lowest markup fee of 1.5% for every international transaction. Also, the customers of this credit card enjoy a lower APR (Annual Percentage Rate) of 1.99% for cash withdrawals from ATMs.

Instant Approval for Loans

If you have the ICICI Bank Emeralde Credit Card, you can easily apply for a personal loan. Thus, the loan will be approved instantly and the amount will be disbursed to your account. If you want, you can also set a limit for your credit card to manage your spending effectively.

Entertainment Benefits

So, when you apply for the ICICI Bank Emeralde Credit Card, you will also get amazing entertainment benefits. With this ICICI Credit card, when you buy a movie ticket, you will get off of Rs. 750 on the second ticket. Along with that, you can avail of this offer on movie ticket booking through the BookMyShow around 4 times a month.

Financial benefits

However, the ICICI Bank Emeralde Credit Card also provide refunds worth up to Rs. 12,000 for two transactions per year. Thus, if your movie, travel. or flight tickets got canceled, then you can easily ask for a refund.

Protection Plan For ICICI Card

The ICICI Bank offers a protection plan for its cards. In this facility, you can protect your credit and debit cards from any loss that can happen in the future. You can easily avail of this facility by purchasing a single premium worth Rs. 2499. This plan is called the CPP (Card Protection Plan) in which you can protect your and your family’s credit card from any threat.

EMI on Credit Cards

You can also pay the bills of your credit card through EMI. You can request the bank to convert your total purchases into monthly installments. Hence, it is another beneficial facility for the customers to pay their bills into Equated Monthly Installments. Furthermore, you will also get the opportunity to pay the EMIs with low-interest rates without any kind of documentation. Also, the tenure for the EMI feature will vary from 3,9, 12, 24, 18, and 6 months.

Benefits for American Express Varient

If you opt for the American Express variant of the ICICI Bank Emeralde Credit Card, you can get various benefits such as the unlimited benefit of complimentary Wi-fi access at airports across the world. Secondly, you will get a dining voucher worth Rs. 7,500 from the Trident Hotels. Also, you will get a gift voucher of Rs. 5,000 from for specific spending from Da Milano. You can enjoy these benefits in the initial two months after the card membership.

Thirdly, the users of the American Express variant will also avail of special discounts at the outlets of O2 Spa. Along with that, you will get 30% off on the annual gym membership at Health Clubs and Talwalkars.

Fees and Charges

These fees and charges of the ICICI Bank Emeralde Credit Card are listed below.

  • Finance Charges– The finance charge for the ICICI Bank credit card is 40.80% per annum i.e 3.40% for every month.
  • Fee for Payment in Cash– You have to pay Rs. 100 for every transaction.
  • Annual Fee– The annual fee for the Credit Cards ICICI Bank is Rs. 12,000. Whereas, if you have availed of the monthly plan, then you have to pay Rs. 1,000.
  • Joining Fee– For availing annual plan for the several card ICICI Bank credit, you will have to pay Rs. 12,000. Furthermore, for the monthly plan, you have to Rs. 1,000. as a joining fee.
  • Processing fee for outstation cheque– The minimum charge is Rs. 100. However, the charge is 1% of the total value of the cheque.
  • Fees for the Request of Duplicate Statement– Rs. 100.
  • Return fee for auto-debit– Minimum charge is Rs. 100. You have to pay 2% of the total amount.
  • Fees for Card Replacement– Rs. 100.
  • Charges for cheque return– 2% on the total transaction amount. The minimum charge is Rs. 450.
  • Fuel Surcharge Fees– 1% upon the total value.
  • Markup for foreign currency transactions– 1% of the total transaction.
  • Fees for the request of charge slip– You have to pay Rs. 100 for a charge slip.
  • Fee for card replacement– Rs. 100.
  • Surcharge for railway booking– You will get a surcharge of 1.80% if you book online. Whereas for other bookings, the surcharge is 2.5%.

The above-mentioned information about the ICICI Bank Emeralde Credit Card will help you to understand if this card is beneficial for you or not. If you are able to pay the credit card bill based on the above fees, then you must avail of this card.

Eligibility Criteria 

Now you can understand with the above benefits and features that ICICI Bank Emeralde Credit Card is an amazing card. If you want to avail of this card, you have to meet the eligibility criteria. Read below to know about the eligibility criteria for the ICICI Bank Credit Card.

Citizenship

Firstly, to apply for the ICICI Bank Credit Cards, you have to be a citizen of India. Furthermore, Non-Resident Indians can also apply for a credit cards.

Age

The age of the applicant is also a major factor to get a credit card. So, if you want to apply for the ICICI Bank Credit Card, the minimum age should be 23 years. Furthermore, the age of the add-on cardholder should be at least 18 years.

Credit Score

Another major criterion to apply for the ICICI Bank ICICI Bank Emeralde Credit Card is that you must have a good credit score. If your credit score is not up to the mark, then your application may get rejected. You can maintain a good credit score by clearing all your debts on time and maintaining a good repayment habit.

Income

Thirdly, the income of the applicant is also important if you want to apply for the ICICI Bank Credit Card. This credit card is also offered for both self-employed and salaried individuals. The self-employed individuals, should have an annual income of at least Rs. 3 lakhs.

Documents Required

After you have figured out if you are eligible to get the ICICI Bank Credit Card, you have to know about the important documents. Without these documents, you cannot proceed to other steps for the application. These are the documents that you must submit with your application.

Identity Proof

These are the important documents required for identity proof. You can submit only one document listed below.

  • Passport
  • Aadhar Card
  • Driving License
  • Voter ID Card
  • Ration Card

Address Proof

For address proof, you will need the below documents.

  • Ration Card
  • Driving License
  • Aadhar Card
  • Voter ID Card
  • Passport

Income Proof

The next document you need to submit is the income proof. These are the below documents that you must submit for income proof.

  • Pan Card Photocopy
  • Form 16
  • Income Tax Return Documents
  • Salary Slip

After collecting the above documents, you can submit them to the ICICI Bank of your nearest location. Apart from that, you can visit our website www.roopya.com or the official portal of ICICI Bank to apply for a the credit card and submit the documents online.

Cards similar to ICICI Bank Emeralde Credit Card

When you are going to apply for the ICICI Bank Emeralde Credit Card, you must know what are the credit cards of other banks are offering. To solve your problem, we have listed some of the best alternative cards that are available with similar features to the Emeralde Credit Card.

Axis Bank Burgundy Private Credit Card– Rs. 10,000.

It offers unlimited access to domestic and domestic lounges and medical consultations. ITR also has no mark-up fee for cash withdrawals.

Axis Bank Reserve Credit Card-Rs. 30,000

This card also gives unlimited access to international and domestic airport lounges across the world. You also get a membership at Club Marriott and 10 reward points for every spend of Rs. 100.

Axis Bank Vistara Infinite Credit Card– Rs. 10,000.

You will get offers on dining and golf with the amazing benefits of extraordinary weekends. Hence, you will get additional points for other spends as well.

American Express Platinum Reserve Credit Card– Rs. 10,000

This is also a great alternative for ICICI Bank Credit Cards. Apart from the basic facilities, this credit card gives amazing healthcare benefits. Also, you will get memberships at hotels and lounges with this card.

ICICI Diamant Credit Card– Rs. 1000.

This is another credit card offered by the ICICI Bank. It has similar features to the Emeralde Credit Card such as unlimited access to international and domestic lounges. Apart from that, you will also get access to yachts, private jets as well as private islands. Hence, it is a great alternative for ICICI Bank Emeralde Credit Card.

How to do Bill Payments for ICICI Bank Emeralde Credit Card?

To maintain a good credit score, it is also important to pay your credit card bills or monthly fee on time. But, you don’t need to worry about bill payments of the ICICI Bank Credit Card. These are the following methods through which you can make bill payments and domestic as well as international transactions.

  • You can use pay the bills of your credit card by using internet banking as well as Indian digital payments space.
  • Secondly, using the mobile application of ICICI bank credit card. It is easily available on Google Playstore and ios platform which you can download on your phone and simply make instant transactions from there.
  • Thirdly, you can also make bill payments through UPI (Unified Payments Interface).
  • You can also pay by withdrawing the cash at the ATM of ICICI Bank.

However, if you are not an existing customer of ICICI Bank. you can do the payment by following the steps.

  • Select the bank that you want to make payment for your ICICI Bank Credit Card.
  • Then select the credit card that you have.
  • After that, enter the number of the credit card.
  • Enter the amount that you need to pay.
  • After that, the payment interface will appear on the screen.
  • Enter the other details required for authentication and confirm the amount for the payment.
  • After completing the transaction successfully, you will receive a Transaction Reference Number.

Customer Care Service of ICICI Bank Credit Card

It may happen that you face problems while using the credit card. But, you don’t need to worry. The customer care service is available for you as per your convenience. The number for the ICICI Bank Customer Care is 186012207777.

Steps to Track The Application Status of ICICI Bank Emeralde Credit Card

After applying for the ICICI Bank Emeralde Credit Card, you can also check its status directly from your phone or desktop. For that, you can visit the official website of the ICICI Bank and log in to your account.

However, you can also call the customer care service of ICICI Bank. Just dial 18601207777. After that, ask the representative to inform you about the application status.

Balance Transfer Facility of ICICI Bank

This is an amazing feature of ICICI Bank’s credit card portfolio. With this feature, you can easily transfer the balance of your ICICI Bank credit card to another credit card. You can get this benefit if you pay all your dues on time and the bank will look after your ongoing loans, repayment history, repayment patterns, etc. However, there must be Rs. 15,000 as an outstanding amount with another bank’s credit card.

  • You can easily make a balance transfer of amount up o Rs. 3 Lakh.
  • Also, you can easily make the credit card payments in 6 months and 3 months installments.
  • For this benefit, you can easily do all the processes without submitting any documentation.

FAQs

Can a Cardholder have two or more credit cards from ICICI Bank?

Yes, you can easily avail of different credit cards of ICICI Bank. Before that, the bank will verify if you are financially sound to hold more than one or more credit cards. It will check different factors such as the credit score, ongoing debts, repayment habits, etc.

What are the other credit cards offered by the ICICI Bank?

Some of the other credit cards offered by the ICICI Bank are ICICI Bank Platinum Credit Card, ICICI Carbon Credit Card, ICICI Bank Amazon Pay Credit Card, ICICI Rubyx Credit Card, ICICI Bank Sapphiro Visa Credit Card, ICICI Bank Platinum Identity Credit Card, and others.

How can I redeem the reward points of the ICICI Bank Credit Card for fuel spending?

You can easily redeem the reward points that you earn through your ICICI Card for spending it on fuel. For that, you need to visit and petrol pump station of Hindustan Petroleum. After that, mention your PAYBACK Number during the time of making payment. Finally, enter the points for redemption and confirm the transaction.

What should I do if I lost my credit card?

If you lost your credit card, you must inform the bank immediately. In this way, the bank will block the credit card instantly and block further transactions. After that, the bank will send you a new card for further transactions.

Can I put a “Self-Set Limit” on my credit cards?

Yes, you can put a self-set limit on your credit card. It is a safety feature that helps you to control the spendings of your credit card. You can dial customer care and ask them to switch on this facility on your primary and supplementary credit card. So, if you make any payment above the set limit, the transaction will get declined.

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