ICICI Bank Emeralde Credit Card ICICI Bank ke premium lifestyle aur travel credit cards me se ek hai. Yeh card un users ke liye design kiya gaya hai jo frequent travel karte hain aur premium lifestyle benefits, airport privileges aur exclusive services ka regular use karte hain.
Cardholders ko unlimited domestic aur international airport lounge access, 24×7 concierge service, Priority Pass Membership, aur ₹3 crore tak ka personal air accident insurance cover jaise premium benefits milte hain. Iske alawa, 1.5% forex markup fee aur zero cash advance fee jaise features bhi is card ko frequent international travellers ke liye aur attractive banate hain.
ICICI Bank Emeralde Credit Card ki ek khas baat yeh hai ki cardholders apni zarurat ke hisaab se Monthly Membership Plan ya Annual Membership Plan me se kisi ek option ko choose kar sakte hain. Isse users apne spending pattern aur budget ke hisaab se membership select kar sakte hain.
Aage is review me hum ICICI Bank Emeralde Credit Card ke Reward Points, travel benefits, fees, eligibility, pros aur cons ko detail me samjhenge, taaki aap aasani se decide kar saken ki yeh premium credit card aapki lifestyle aur spending needs ke hisaab se sahi choice hai ya nahi.
ICICI Bank Emeralde Credit Card
Rewards and Benefits
›A discount of up to Rs. 750 on BookMyShow second movie/event ticket onwards (max 4 tickets per month), no cancellation charge on movie ticket cancellation (max benefit of Rs. 12,000 per year), a minimum discount of 15% at partnered restaurants under the ICICI Culinary Treats program.
The earned Reward Points can be redeemed against gifts or cash credit, where 1 Reward Point = Rs. 0.25
Complimentary Unlimited Domestic Airport Lounge Access
Complimentary round/lesson of golf each month on a minimum spend of Rs. 50,000 in the previous month (max 4/month)
4 RPs on every Rs. 100 spent on all transactions (except fuel, utilities and insurance categories) and 1 RP on every purchase of Rs. 100 on insurance and utilities.
Complimentary international & domestic lounge visits, no charge (waived up to a max of Rs. 12,000) on cancellation of flight/hotel/movie ticket bookings up to max two cancellations every year
Complimentary Unlimited International Airport Lounge Access Via Priority Pass
Credit Shield insurance worth Rs. 50,000, an air accidental death cover worth Rs. 3 crore and many other insurance benefits under travel category (as illustrated later in the article)
Fees & Charges
›Annual Fee Waiver on Spends of ₹10 Lakh or More
3.75% Per Month
₹99 + GST
1% fuel surcharge waived on all fuel purchases at all fuel pumps across the country.
2%
2.5% Subject to a Minimum of ₹500
Product Details
›- Unlimited domestic aur international airport lounge access ka premium benefit.
- BookMyShow par second movie ya event ticket par ₹750 tak ka discount, mahine me maximum 4 tickets tak.
- Pichhle mahine ₹50,000 spend karne par 1 complimentary golf round ya lesson, mahine me maximum 4 tak.
- Sirf 2% forex markup fee, jo international transactions ke liye kaafi competitive hai.
- Flight, hotel aur movie ticket bookings cancel hone par ₹12,000 tak cancellation charge reversal, saal me maximum 2 baar.
- Eligible spends par har ₹100 ke spend par up to 4 ICICI Reward Points earn karein.
Pros/Cons
›- Unlimited domestic aur international airport lounge access, Priority Pass Membership, golf privileges aur concierge service jaise premium travel benefits frequent travellers ke liye kaafi valuable hain.
- 2% forex markup fee aur flight/hotel cancellation charge reversal (up to ₹12,000) jaise features international travellers aur business users ke liye additional value create karte hain.
- Joining/annual fee kaafi high hai, isliye agar aap premium benefits ka regular use nahi karte, to card ki value justify karna mushkil ho sakta hai.
- Reward Points par category-wise monthly caps aur excluded transactions (jaise fuel, rent, government payments aur kuch utilities) hone ki wajah se heavy spenders har transaction par maximum rewards earn nahi kar paate.
ICICI Bank Emeralde Credit Card Features and Benefits
ICICI Bank Emeralde Credit Card premium travellers aur high-spending users ke liye design kiya gaya hai. Card ke saath travel, insurance aur lifestyle category me kai exclusive benefits milte hain.
Annual Fee Waiver
- Agar aap card anniversary year me ₹10 lakh ya usse zyada spend karte hain, to card ki annual fee waive ho sakti hai.
Travel Benefits
Unlimited Domestic & International Airport Lounge Access
Cardholders ko unlimited airport lounge access ka benefit milta hai.
- Visa, Mastercard aur American Express Lounge Program ke through unlimited domestic airport lounge access.
- Priority Pass Membership ke saath duniya bhar ke participating international airport lounges ka unlimited access.
- Lounge access bank aur payment network ki applicable terms ke anusar available hota hai.
Low Forex Markup Fee
- International transactions par sirf 2% forex markup fee lagti hai, jo standard market rate se kam hai.
Cancellation Charge Reversal
- Flight aur hotel bookings cancel hone par ₹12,000 tak cancellation charges ka reimbursement mil sakta hai.
- Yeh benefit saal me maximum 2 baar available hai, bank ki applicable terms ke anusar.
Insurance Benefits
Cardholders ko travel ke dauran additional protection ke liye insurance benefits bhi milte hain.
- Personal Air Accident Insurance Cover – ₹3 Crore
- Air travel se jude selected insurance benefits bank ki policy ke anusar available hote hain.
Priority Pass Membership
- Card ke saath complimentary Priority Pass Membership milti hai.
- Iske through cardholders participating international airport lounges ka unlimited access le sakte hain.
Golf Benefits
ICICI Bank Emeralde Credit Card golf enthusiasts ke liye premium golf privileges offer karta hai.
- Pichhle mahine ₹50,000 spend karne par 1 complimentary golf round ya golf lesson ka benefit milta hai.
- Har mahine maximum 4 complimentary golf rounds ya lessons liye ja sakte hain.
- Golf benefit use karne ke liye cardholders ko pehle Golftripz portal par apna ICICI Bank Emeralde Credit Card register karna hota hai.
- Eligible complimentary golf round agle mahine ki 10 tareekh ke baad Golftripz account me show hota hai.
- Credit hone ke baad golf benefit ko agle 2 mahine ke andar redeem kiya ja sakta hai.
Movie & Dining Benefits
BookMyShow Offer
- BookMyShow par movie ya event tickets book karne par second ticket par ₹750 tak ka discount milta hai.
- Yeh benefit mahine me maximum 4 tickets tak available hai.
Dining Offers
- ICICI Bank Culinary Treats Programme ke through selected partner restaurants par minimum 15% tak ka dining discount mil sakta hai.
Movie Ticket Cancellation Cover
- BookMyShow ke through eligible movie ticket bookings cancel hone par ₹12,000 tak ka cancellation charge reimbursement mil sakta hai.
- Yeh benefit bank ki applicable terms aur annual limit ke anusar available hota hai.
24×7 Concierge Services
ICICI Bank Emeralde Credit Card ke saath 24×7 i-Assist Concierge Service milti hai, jo travel aur lifestyle se judi kai requests me assistance provide karti hai.
Concierge Service ke through aap in services ke liye help le sakte hain:
- Flight booking aur reservations
- Hotel reservations
- Restaurant table bookings
- Car rental assistance
- Movie ticket bookings
- Flower aur gift delivery assistance
Medical Concierge
Emergency medical situation me i-Assist Concierge hospital admission coordinate karne aur doctors se connect karne me bhi madad karta hai, bank ki applicable terms ke anusar.
Note: Concierge services ki kuch facilities New Delhi, Mumbai, Bengaluru aur Chennai jaise selected cities me hi available ho sakti hain.
Insurance Benefits
ICICI Bank Emeralde Credit Card ke saath domestic aur international travellers ke liye kai insurance benefits milte hain. Travel ke dauran unexpected situations me ye covers financial protection provide karte hain.
| Insurance Cover | Coverage |
|---|---|
| Personal Air Accident | ₹3 Crore |
| Baggage Insurance | Up to ₹25,000 |
| Loss of Checked-in Baggage | USD 1,200 |
| Delay in Checked-in Baggage (12 hours se zyada) | USD 300 |
| Loss of Travel Documents | USD 500 |
| Flight Delay (12 hours se zyada) | USD 250 |
| Plane Hijacking | USD 250 per hour (maximum 12 hours) |
Note: Upar diye gaye travel insurance benefits sirf international travel ke liye applicable hain. Domestic travel par ye covers available nahi hote.
Credit Shield Cover
Travel insurance ke alawa cardholders ko ₹50,000 ka Credit Shield Cover bhi milta hai.
- Agar card gum ya chori ho jata hai aur uska unauthorized use hota hai, to yeh cover financial protection provide karta hai.
- Cover card loss report karne se 2 din pehle se lekar report karne ke 7 din baad tak ke eligible unauthorized transactions par applicable hota hai, bank ki terms and conditions ke anusar.
ICICI Bank Emeralde Credit Card Reward Points
ICICI Bank Emeralde Credit Card ke saath aap eligible transactions par ICICI Reward Points earn karte hain. Pehle is card par PAYBACK Points milte the, lekin ab ICICI Bank ne ise ICICI Rewards Program se replace kar diya hai.
Reward Points Earning
- Har ₹100 ke eligible retail spend par 4 ICICI Reward Points milte hain.
- Utilities aur Insurance category me har ₹100 ke spend par 1 ICICI Reward Point milta hai.
- Fuel aur bank ki kuch excluded transaction categories par Reward Points applicable nahi hote.
Reward Points Redemption
Earn kiye gaye ICICI Reward Points ko kai redemption options ke liye use kiya ja sakta hai.
- Reward Points ko statement credit (cashback) ya gift vouchers, merchandise aur doosre eligible rewards ke liye redeem kar sakte hain.
- 1 ICICI Reward Point = ₹0.25 ke barabar hota hai.
Statement credit ya gifts ke liye redemption ICICI Bank ke applicable redemption process aur terms ke anusar kiya ja sakta hai.
ICICI Bank Emeralde Credit Card Fees and Charges
ICICI Bank Emeralde Credit Card ek premium credit card hai aur iske saath kuch charges standard credit cards ke mukable kaafi competitive rakhe gaye hain. Neeche is card ke important fees aur charges diye gaye hain.
| Charges | Details |
|---|---|
| Interest Rate | 3.75% per month (45% per annum) |
| Forex Markup Fee | 2% on international transactions |
| Cash Advance Fee | Nil (Cash withdrawal par cash advance fee nahi lagti, lekin interest applicable hota hai.) |
| Reward Redemption Fee | ₹99 + GST per redemption request |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver at eligible fuel stations across India (bank ki applicable terms ke anusar) |
Note: Cash withdrawal par cash advance fee nahi lagti, lekin 3.75% per month ka finance charge transaction ki date se hi applicable ho sakta hai. Isi tarah, fuel surcharge waiver aur doosre benefits bank ki latest terms and conditions ke hisaab se vary kar sakte hain.
Credit Cards Similar to ICICI Bank Emeralde Credit Card
Agar aap ICICI Bank Emeralde Credit Card ke alternatives dekh rahe hain, to market me kuch aur premium credit cards bhi available hain jo travel, lounge access aur rewards ke maamle me strong competition dete hain. Neeche comparison diya gaya hai:
| Credit Card | Reward Rate | Key Benefits | Annual Fee |
|---|---|---|---|
| ICICI Bank Emeralde Credit Card | 4 Reward Points per ₹100 on eligible retail spends. 1 Reward Point per ₹100 on utilities & insurance. 1 Reward Point = ₹0.25 | Unlimited domestic & international lounge access, 2% forex markup fee, golf benefits, concierge service, cancellation cover | ₹1,000/month or ₹12,000/year + GST |
| HDFC Bank Infinia Metal Credit Card | 5 Reward Points per ₹150 spent.Up to 10X Reward Points on SmartBuy. 1 Reward Point = Up to ₹1 | Unlimited domestic & international lounge access, Club Marriott Membership, premium travel & dining benefits, 2% forex markup fee | ₹12,500 + GST |
| Axis Bank Magnus Credit Card | 12 EDGE Reward Points per ₹200 spent.Up to 5X EDGE Rewards on Travel EDGE. 1 EDGE Reward Point = ₹0.20 | Unlimited domestic lounge access, 8 international lounge visits per year, 2% forex markup fee, milestone rewards | ₹10,000 + GST |
Kaunsa Card Kis Ke Liye Best Hai?
- ICICI Bank Emeralde Credit Card – ICICI customers aur premium travel benefits ke saath golf, concierge aur unlimited lounge access chahne wale users ke liye.
- HDFC Bank Infinia Metal Credit Card – High reward rate aur SmartBuy ke through maximum value earn karne wale frequent travellers ke liye.
- Axis Bank Magnus Credit Card – Milestone rewards aur travel benefits ko importance dene wale high spenders ke liye.
ICICI Bank Emeralde Credit Card Eligibility
ICICI Bank Emeralde Credit Card ek premium credit card hai, isliye iske liye bank kuch specific eligibility criteria follow karta hai. Card approval bank ke internal credit assessment aur profile verification par bhi depend karta hai.
Basic Eligibility Criteria
- Salaried applicants ki minimum monthly income ₹1.5 lakh honi chahiye.
- Self-employed applicants ki previous financial year ki Income Tax Return (ITR) ₹18 lakh ya usse zyada honi chahiye.
- Applicant ke paas accha CIBIL score aur strong credit history honi chahiye.
- Credit report me loan ya credit card payment defaults nahi hone chahiye.
Note: Upar diye gaye criteria basic eligibility ko dikhate hain. Final approval ICICI Bank ke internal policies, credit profile aur income verification ke baad hi diya jata hai.
Bottom Line
ICICI Bank Emeralde Credit Card un users ke liye ek premium option hai jo frequent travel karte hain aur airport lounge access, golf privileges, concierge service aur travel insurance jaise luxury benefits ka regular use karte hain. Card ke saath unlimited domestic aur international airport lounge access, low 2% forex markup fee, Priority Pass Membership aur ₹3 crore ka personal air accident insurance jaise premium features milte hain.
Iske alawa BookMyShow offers, golf benefits, travel cancellation cover aur Reward Points bhi card ki overall value ko aur behtar banate hain. Agar aap annual spending requirement poori karte hain, to annual fee waiver ka benefit bhi mil sakta hai.
Halaanki, ₹12,000 + GST ki annual fee aur premium eligibility criteria ki wajah se yeh card har user ke liye suitable nahi hai. Agar aap aur bhi exclusive lifestyle benefits, higher rewards aur additional premium privileges chahte hain, to ICICI Bank Emeralde Private Metal Credit Card ko bhi compare kar sakte hain.
Agar aap ek premium travel credit card dhoondh rahe hain jisme unlimited lounge access, golf benefits, low forex charges aur strong travel protection mile, to ICICI Bank Emeralde Credit Card ek value-for-money choice ho sakta hai.
FAQs
ICICI Bank Emeralde Credit Card ke Reward Points kitne din tak valid rehte hain?
ICICI Bank Emeralde Credit Card se earn kiye gaye ICICI Reward Points unke earn hone ki date se 3 saal (36 months) tak valid rehte hain. Isliye Reward Points expire hone se pehle unhe statement credit, gift vouchers ya doosre eligible redemption options ke liye redeem kar lena behtar hota hai.
ICICI Bank Emeralde Credit Card ke Reward Points kaise redeem kar sakte hain?
ICICI Reward Points ko statement credit (cashback) ya gift vouchers, merchandise aur doosre eligible rewards ke liye redeem kiya ja sakta hai. 1 ICICI Reward Point = ₹0.25 ke barabar hota hai. Reward redemption ICICI Bank ke applicable redemption process aur terms ke anusar kiya ja sakta hai.
Kya ICICI Bank Emeralde Credit Card par fuel surcharge waiver milta hai?
Haan. ICICI Bank Emeralde Credit Card ke saath Bharat ke eligible fuel stations par 1% fuel surcharge waiver ka benefit milta hai. Yeh benefit bank ki applicable terms aur transaction limits ke anusar available hai.
Kya ICICI Bank Emeralde Credit Card ki concierge service poore India me available hai?
Nahi. i-Assist Concierge Service ki kuch facilities New Delhi, Mumbai, Bengaluru aur Chennai jaise selected cities me hi available hain. Available services aur coverage bank ki applicable terms ke hisaab se vary kar sakte hain.