How to Apply for the ICICI Emeralde Credit Card in 2026
Apply for the ICICI Emeralde Credit Card with 4X reward points on dining and unlimited golf games. Income, eligibility, and the application process.
FinWiz24 Editorial
The ICICI Emeralde Credit Card is a super-premium ICICI card that offers 4 reward points per ₹100 on dining and entertainment, 2 points per ₹100 on retail, unlimited golf games, and 4 international lounge visits per year. The annual fee is ₹12,000, waived on spends of ₹8 lakh in the previous year. The card is targeted at senior professionals and business owners with high disposable income.
Why this matters
Emeralde is the most rewarding ICICI card outside the super-premium segment. The 4X on dining is unique in the Indian credit card market — no other card pays 4% back on dining. The unlimited golf games and 4 international lounge visits recover the annual fee within 2 visits for most cardholders.
Related cards
How to Apply for the ICICI Emeralde Credit Card in 2026
Common mistakes to avoid
Do not apply for Emeralde if you have 3+ ICICI cards — the per-customer cap is strict. The 4X dining multiplier is capped at 10,000 points per month, so very high dining spenders will hit the cap. The annual fee is non-waivable in the first year.
Pro tips
- Time the application 30 days after a salary credit for a stronger bank statement
- Use the card for dining and entertainment to chase the 4X multiplier
- Use iMobile Pay to track your Dreamfolks lounge visits and golf games
- Plan the year to spend ₹8 lakh and waive the ₹12,000 annual fee
Frequently asked questions
What is the annual fee on Emeralde?
₹12,000 + GST, waived on ₹8 lakh spends in the previous 12 months.
How are golf games redeemed?
Emeralde includes unlimited golf games at partner courses in India and Dubai. Book via the iMobile Pay Golf section.
What is the minimum income for Emeralde?
₹1.5 lakh/month for salaried. Self-employed need a minimum annual income of ₹25 lakh.
Material Connection: Some of the links in this content may be affiliate links, meaning we may earn a commission at no extra cost to you if you apply through our links.
Written by FinWiz24 Editorial
Editorial Disclosure: Our editorial team provides independent, unbiased information about credit cards. We may receive compensation from partner links, but this does not influence our reviews or recommendations.