Card Details

8616 9063 9975 7236

ICICI Emeralde Credit Card

ICICI BANKMASTERCARD, AMERICAN EXPRESS

Card Issuer

ICICI Bank

Joining Fee

₹12,000

Annual Fee

₹12,000

Reward Type

Reward Points

Changes to this card

  1. 27 Oct 2026

    Lounge and golf benefits now offered quarterly and monthly instead of unlimited, with new spend thresholds for golf rounds.

Earn Points

4 Rp

Per ₹100 on retail purchases

1 Rp

Per ₹100 on utilities

1 Rp

Per ₹100 on insurance

Benefits

Travel

₹3 crore personal air-accident cover

  • ₹3 crore air accident cover for the primary cardholder (international travel booked on the card)
  • 2% forex markup on international transactions
  • No cancellation charges on domestic flight and hotel bookings, up to ₹12,000
  • 1 golf round or lesson for every ₹50,000 retail spend in the previous month (max 4 a month)
Entertainment

Up to ₹750 off on BookMyShow tickets

  • Up to ₹750 off on BookMyShow second ticket onwards

Offers from ICICI Bank

See all

Things to Keep in Mind

Reward points are valued at ₹0.25 each when redeemed for cashback, statement credit or gifts, implying an effective general reward rate of 1%.

Golf eligibility is reported as one complimentary round or lesson per month after ₹50,000 spent in the previous month, with a maximum of four rounds or lessons per month; another source gives a conflicting first-month formulation.

Foreign-currency markup is reported as 2% by Card Insider and 1.5% by BankBazaar; the current applicable rate should be confirmed with ICICI Bank.

Several lifestyle and airport spa benefits reported by BankBazaar are not visible on the current official page and may be legacy or partner-dependent.