Best Credit Card

All Benefits

  • Earn from 6x to 12x reward points on iShop
  • Shopping voucher from TATA CLiQ worth ₹5,000 for American Express Cardholders twice every year
  • Buy one ticket & get up to ₹750 off on the second ticket through BookMyShow
  • Unlimited access to international & domestic airport lounges for the primary Cardholder

Fees

Joining Fee Not Applicable
₹14,160
₹12,000 + GST
Annual Fee The annual fee is waived if you spend ₹10 lakh or more in a year on your card, as per bank policy.
₹14,160
₹12,000 + GST

Eligibility

Age
21-60 years
Salary
₹1.5L / Month
Credit Score
720+

Bank Fee Structure

Forex Markup 2% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (2%): ₹100 → ₹2 ₹1,000 → ₹20 ₹10,000 → ₹200 ₹1,00,000 → ₹2,000
2%
Finance Charges (APR) Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal No fee is charged when withdrawing cash
Not Applicable
Reward Redemption No fee is charged when redeeming reward points on this card.
Not Applicable
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals.
1.80%
Rent Payment 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque Payment A fee of ₹150 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal
₹100
Cash Payment ₹150 cash payment fee per deposit
₹150

Late Payment Charges

Amount dueFee
₹0–₹100₹0
₹100–₹500₹100
₹501–₹1,000₹500
₹1,001–₹5,000₹600
₹5,001–₹10,000₹750
₹10,001–₹25,000₹900
₹25,001–₹50,000₹1,100
Above ₹50,000₹1,300

Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared

Reward Exclusions

FuelATM WithdrawalCash AdvanceEMIsBalance TransferPersonal LoanInsurance PaymentsUtility BillsGovernment SpendsEducation PaymentsRentE-Wallet Loading

Terms & Conditions

  • Benefits are subject to card usage and eligibility criteria as defined by ICICI Bank. Lounge access, golf sessions, BookMyShow offers and travel cancellation benefits are available only on eligible transactions made using the ICICI Bank Emeralde Credit Card. Annual fee waiver is applicable on achieving the minimum spend threshold as specified by the bank. Reward points are earned and redeemed as per the bank’s reward program rules. All benefits are subject to change at the discretion of ICICI Bank without prior notice

Full charges and terms: Bank MITC / Terms