ICICI Bank Emeralde Credit Card Review

By | January 23, 2019

For a very long time ICICI Bank never had a compelling product in the lifestyle premium credit card segment. Finally ICICI woke up to reality with good innovation and decent reward rate on their newly launched premium credit card offering: Emerald Credit Card. Here’s a detailed review of the same.

ICICI Bank Emeralde Credit Card

Annual Fee

  • Monthly membership Fee: Pay a monthly membership fee of Rs. 1,000+GST from the date of joining – waived off if spends on card is more than Rs. 1,00,000 in the previous month
  • Joining Fee & Annual Fee: Joining fee Rs.12,000+GST – reversed if spends on card is more than Rs. 15,00,000 in the card anniversary year. Annual Fee from second year onwards waived off if spends on card is more than Rs. 15,00,000 in the card anniversary year

I don’t see any point in the monthly plan as its not something a premium credit card user would prefer, at-least not me. So Annual plan is the best in my opinion. Yet, monthly plan would still fit in if you are not sure of spending 15L.

Rewards

Regular Rewards

  • 4 PAYBACK Points on every ₹100 spent, except fuel (1% Value)
  • 1 PAYBACK Point on every ₹100 spent on utilities and insurance categories (0.25% Value)

This is the most disappointing part of this card – POOR reward Rate on regular spends. So high spenders >15L might need to switch to other cards.

But the good thing about Payback rewards is that you can convert the points to cash credit on statement.

Moreover, you can expect decent spend based offers on the Amex variants occasionally that will raise the overall reward rate a bit.

Milestone Benefit

  • Spend 2L to get Rs.5k worth of Da Milano voucher. Only on Amex Cards.

Well, may that’s the type of vouchers credit card holders of this range use. Can’t complain, yet not in my likes.

Birthday benefit

  • Dining voucher worth ₹7,500 from Trident Hotels. Only on Amex Cards.

Nice value again. Yet, I wish they had given Marriott Dining voucher or maybe Dineout voucher instead.

Airport Benefits

Lounge Access

They haven’t mentioned anything about add-on cards but chances are you may be able to access atleast domestic lounges with add-on cards.

Spa Access

  • Unlimited Spa Access via Dreamfolks

This is the most lucrative benefit of this card. If you’re flying frequently within India, this will get you unbelievable value. 

For Ex, if you fly once every month for an year, that’s 2*12 = 24 Spa visits. Even if you assume cost at just Rs.1k per visit, this alone gives you 24k value.

The surprise is, this is not the first card in India to get unlimited spa benefit. ICICI silently has been already issuing unlimited spa access to Diamant card holders.

Bookmyshow Benefit

  • Buy one ticket and get up to Rs.750 off on the second ticket, up to four times every month through BookMyShow

That’s technically 750*4=Rs.3000 value per month. But a typical person living in non-metro can’t get that much value.

Yet, this is an AMAZING benefit as it includes non-movie tickets too. Good to see ICICI (or BMS) being so generous here. If you’re a movie buff, well, i don’t need to speak any further 😀

Wifi Access

  • Unlimited complimentary access to Boingo Wi-Fi across the globe. Amex benefit.

This is again a wonderful benefit if you travel often internationally as every airport shows like 10 wifi hotspots around and you never who which is legit one to connect to. Problem solved!

This is first of its kind in India and we must truly appreciate ICICI for bringing this benefit to us. This could be a game changer.

Other Benefits

  • Credit Shield: 50k (!)
  • 1.5% Markup Fee on Intl Txns
  • No late payment fee, no overlimit fee
  • Discounts on Gym/salon & health clubs across India
  • 15% off on all services at O2 Spa
  • 20% off on gold making charges at Joyalukkas across India
  • American Express “Live the World” Privileges
  • Golf access based on spends

Eligibility

  • Salary: Rs. 3L/m
  • Annual Income: Rs. 30L
  • For Upgrade: Existing ICICI Card Limit of 6 Lakhs

Now this is the most challenging part for many and we never know how strict ICICI is planning to handle it. Only time will tell.

Verdict

Except the poor regular reward rate on spends, everything else has been perfectly crafted to position it in the super premium credit card segment. If you put a value to the benefits like Spa/BMS/Wifi among others, you’ll find the overall return to be reasonably good.

  • Cardexpert Rating: 4/5

Note: If you donot avail airport spa benefits, the rating will go as low as 3/5.

Yet, if you’re a very high spender, you may simply use this card as a Spa/BMS card and continue with other super premium credit cards for regular spends.

What’s your take on ICICI bank’s Emerald Credit Card? Anyone planning to apply anytime soon?

Author: Siddharth

I love credit cards, enjoy travelling for free using reward points & airmiles. Obsessed with business class cabins, airport lounges and luxury hotels.

103 thoughts on “ICICI Bank Emeralde Credit Card Review

  1. Himanshu

    Hello Siddharth Sir,

    Do you ditch your ICICI jet sapphiro for Emeralde card?
    You are frequent flyer so unlimited spa sessions and lounge access are great value for you.

    Do share your thoughts. Thanks

    Reply
    1. Siddharth Post author

      I’m waiting for 2X JPMiles to kick in, so i’ll have to hold on to Jet Sapphiro for few months before deciding. I’ll most likely get it at-least for one year. By then, with its current speed i assume ICICI will come up with a new card 😀

      Reply
  2. Captain Bishuddha Bharatiya

    Its very exciting to see such rapid addition of new contents by you Siddharth. Meanwhile would you like to get your hands on Emeralde card if you get a chance ?

    Reply
    1. Siddharth Post author

      Hopefully Yes. But there are other aspects as mentioned in other comment.

      Reply
  3. Priyansh Modi

    That was quick.

    Basis your review, though 4 star, not sure I would ever go for this card (though not yet eligible anyway).

    Not saying it doesn’t seem attractive with spa and BMS, but at the end of the day, many cards give nearly same benefit except spa one.

    And rewards rate too less tbh to make it a worthwhile card to consider.

    At 3L/month salary, eligible for many cards with much better rewards.

    Though if the joining benefits/reward rate was better, might have considered

    Reply
  4. Amex Guy

    In my books, this is a pretty light swing from ICICI. I’m still unsure which segment they are going after. The only card that’s threatened by this is Plat Reserve. And I don’t understand who that card targets as well. But that card is blessed with Amex retail folks convincing people with their sweet talk.

    For rewards, this is pointless. For other benefits, ICICI needs to realize that the segment they are targeting already have these privileges from other channels. They are clearly not going after super premium segment, so they made a card that’s much more affordable but gives the illusion of super premium. Same old Plat Reserve trick.

    If they really wanted a winner: Throw in a Hilton Diamond and unlimited PP along with existing Amex network perks they are throwing at 20-25K fee and you have differentiated yourself enough. But they want serious card holders. They want gullible customers. But they won’t be getting serious travelers or high spenders on this card.

    Reply
    1. Siddharth Post author

      Well, provided how BAD ICICI cards were in the past, this is far better in my opinion. Yet, of course this can’t be a primary card for high spenders, but worthwhile to put it as “one of the card” in wallet, as anyway they’re going to get a waiver.

      Reply
      1. Amex Guy

        They’ll get a waiver if they spend over 1L. The waiver is equal to value lost even if their favourite card gives 2%. So it is still 12K a year in value lost a year in best of situations.

        As for other benefits, I seriously doubt if anyone of 30L a year income doesn’t have them already. Most wealth management/premium-ish banking offerings give equal or better BMS offers. Citigold already gives me better version of this, along with DBS. Which is the very reason Citi/Amex/HDFC don’t bother competing with BMS offers as standard offerings on their cards — because they kind of get their market.

        Also, Dreamfolks line up has very few arrival spas, which is where the actual value is. After their Prime card I certainly expected better. ICICI will find it very hard finding takers for their perks at the income bracket they are targeting. I fully expect this card to be handed out as upgrade to existing customers and then get perks devalued in a year or two. Business as usual with Indian banks.

        Reply
        1. Siddharth Post author

          Why count only arrival spa’s?
          And its not the card for large set of ppl anyway. So this maynot favour their CC business in big level. They either need to strengthen Sapphiro or launch some other card inbetween to attract masses. Either way they need to get out of Payback, which i believe is the one that’s holding them down on reward rate!

          Reply
          1. Amex Guy

            “Why count only arrival spa’s?”

            Because that’s the real value. People want massage mostly after a long flight. And I hardly know of anyone who uses shower before boarding. It’s very useful after landing to shower or get a quick massage before heading directly to work.

            Dreamfolks knows this. Which is why there are so few arrival partnerships they could rope in.

            I agree with you Payback has to go. It’s also gotten harder to use since there is no more eBay left to easily redeem.

          2. Siddharth Post author

            If they give lounges/spa’s in arrival then no one will go out of airport. 😀

        2. Raja

          amex guy.
          have you recieved the amex diwali 25k Tanishq GV on spend of 4.75lac from Amex?
          Raja
          PS. last year they sent the GV on 21 Dec.

          Reply
          1. Amex Guy

            Can’t help with that. My card was excluded from the promo. 🙁

            You can always call in.

          2. Sarthak

            I haven’t received it either. Customer care told me that I’ll receive it by the end of February month.

    2. jude

      i agree with Amex Guy- they built up lot of expectation and then give this crap offering out. I dont think even 4 stars is deserved. TBH, i am not sure how many people really value SPA access. Unless u book a cheap economy tickets just to get a full body massage.

      Would have been nice to see them atleast given a Hilton Gold, if not diamond, or maybe some status with vistara/etihad.

      Also amex guy, regarding ur earlier post on Citi Ultima, u had mentioned that it is given absed on spends – i think that it is incorrect. the Citi team insist on a minimum ITR of 6 crores irrespective of spend

      Reply
      1. Siddharth Post author

        Introducing dual rating for the first time. 😀

        If you exclude Spa benefit, rating goes to 3/5 – Updated the article.

        Reply
        1. jude

          ha ha ha. Thats super cool of you. Kudos Sid!!
          Any clue on the SBI Etihad card?

          Reply
      2. Amex Guy

        Which Citi team are you talking to? The issue with Citi is that most teams are clueless about both Prestige and Ultima. I got consistently wrong information about Prestige from my Citigold RM, her boss, her boss’ boss and it took one phone call with Prestige folks to get it. Unless you’re talking to Ultima RM, you’re getting information read from sticker documents, all of which is legalese mostly.

        Citi team will insist for ITR of 40L or 25L cash (not NRV) in your Citi account for Prestige as well. I’m sure there’s enough people on this site that will tell you that’s not true.

        From what I know, people with spends over 60-70L a year have got invitation for Ultima.

        Reply
  5. Anoop E S

    Unlimited domestic lounge access (both MC and Amex lounges), unlimited international lounge access and unlimited Spa access for a fee of Rs.12000. Although we get unlimited lounge access through various other cards, an unlimited spa is something different and as per the dreamfolks website, their platinum package costing Rs.26000 gives us unlimited spa but with 16 lounge access.

    Birthday benefit, milestone benefit, BMS offer, Low forex markup and WiFi access adds a good topping to this card.

    There are no joining benefits or renewal benefits mentioned.

    But somehow I feel like this a lounge/Spa access card rather than a credit card. And it is very good in that aspect.
    The presence of payback points itself shatters the image of this card. Again they have not increased the reward rate.

    Any idea about American Express “Live the World” Privileges?

    And will they allow us to share the credit limit with existing Jet Sapphiro? Few months back, I was planning to get a normal Sapphiro MC version with limit shared with my existing Jet Sapphiro (which they were ready to give), but I dropped that plan.

    Plus any idea about MC version? MC world or some other variants?

    Reply
    1. Siddharth Post author

      – Check Amex live the world site for more info.
      – ICICI always works on shared limit across cards. So it has to work that way.
      – MC world or other, but not elite. Anyway, why does it matter?

      Reply
      1. Poornith Ninan

        I am not sure if the shared limits applies to everyone. I personally have 5 cards from ICICI (2 Rubyx + 2 Sapphiro + 1 Amazon Pay). The Amazon Pay has an independent credit limit and the other four cards have shared limit. I have a friend who holds Jet Coral (Visa + Amex cards) where he has two separate limits for each of the two cards.

        Reply
        1. Siddharth Post author

          They can have different limits each but its in the same pool. The highest limit is the actual limit. ICICI isn’t clear in this part. Their netbanking shows confusing numbers often, like it shows in negative CL often to me even when there is no extra credit.

          P.S. Its surprising to see someone hold Rubhyx+Sapphiro. How was the 2nd card among this applied?

          Reply
          1. Poornith Ninan

            I requested for an upgrade from Rubyx to Sapphiro through the Customer Care. They denied my first request. I requested a second time and they offered a paid upgrade. I did ask them if they would cancel my Rubyx cards but they said that it’s up to me whether I wish to keep them or cancel them. Since both Rubyx and Sapphiro cards offer lounge access, I decided to keep them as the spend limits on both cards in order to get the renewal fee waivers weren’t too difficult for me to achieve.

  6. Anoop E S

    One more point. For checking eligibility, we need to send SMS EMERALDE to 5676766. Their representative will contact us.

    Reply
  7. AJ

    “Yet, this is an AMAZING benefit as it includes non-movie tickets too. Good to see ICICI (or BMS) being so generous here. If you’re a movie buff, well, i don’t need to speak any further 😀” This already works for some other cards like ICICI Jet Sapphiro – I have tried that in the past 🙂

    Reply
  8. A2Z

    Spa isn’t the benefit which can make this card worth 4
    I don’t see much value in this card
    Targeted only at select audience

    Reply
    1. Siddharth Post author

      4/5 because it gives value for the fee. But yes, it’s only for “the chosen few” as they call it themselves 😀

      Reply
  9. ravi

    BMS offer has conditions “First come first” unlike other cards ex. SBI Elite. thats a guaranteed BMS offer.

    Further rewards rate @1% is too basic.

    YFE much much better with 2.5% rewards rate and unlimited PP/MC lounge access for both primary and add on card holders . That too at a lesser fee of Rs10000/-

    Reply
    1. As

      That FCFS quota is card variant specific, so it will always be available in case of this card.

      Reply
      1. Amex Guy

        I’m fairly certain FCFS quota is not card specific, only the discount is. They have included this card in existing offer on BMS, and they show whether the quota has expired for the offer before you enter your card number.

        Reply
        1. manuj

          Yes the quota is card specific, you will get BOGO with ICICI sapphiro card , even though at the same time you might get a decline of BOGO with other gemstone card. I hold both of these cards and can confirm that with certainty.

          Reply
        2. As

          Rubyx visa quota exhausts before Rubyx Amex. Sapphiro quota rarely exhausts. So I am certain it is card variant and network specific.

          Reply
  10. Prashant Gupta

    does not appeal much. will have very less takers who have very little knowledge about cards. U only need 2 other cards to match its features with more reward points and less fees.

    Reply
    1. Priyansh Modi

      True. Except the spa lounge feature, guess every other feature can easily be covered.

      Reply
  11. Ashwin

    Folks,
    This BMS benefit is not the same BOGO BMS offer available with other channels. Generally BOGO offer limits to movie and a limit of Rs 250/500 discount only. Here we can book standup comedy, theater/plays, sports event, etc apart from movies upto Rs 750 discount. Also this Rs 750 discount is for four times a month rather than once per card per month.

    Reply
    1. ravi

      Yeah, thats right. But the main condition is first come first.

      It is not guaranteed.

      Most of the times BMS will display today quota is over for ICICI cards

      Reply
      1. Siddharth Post author

        BMS offer never went out of Quota on my Sapphiro since past 2 yrs. But my friend holding Coral often has the problem.

        Reply
  12. Pankaj Singhal

    Why would you not pay monthly fees on this? It is a good way to minimize the overall outgo. Even if one spends say 1 lacs each in 6 months, a person can save 6k on fees. This can improve the value proposition of the card.

    However, having both the YFE and the DCB LTF, I don’t see any reason to get this card.

    Reply
    1. Siddharth Post author

      I never thought of even paying partial fee to this card and so felt Annual plan is best.

      Reply
  13. Aman Mahajan

    Can you also share your views on MMT ICICCI signature card? Is it worth spending 2500+taxes for the card?

    Reply
    1. Priyansh Modi

      I personally do feel it’s a decent card to have an ICICI card in wallet which is lifetimefree, has good joining benefits for its fees and decent offers.

      Reply
  14. Poorna

    Hi Siddharth, what are the cards do you hold and what do you use them for. (so that you get maximum benefit out of them.) I am holding yfp cc and spend is >300000, but don’t get any visible benefits. do share a post on your card utilisation so that we can get insights into how get the best benefits.

    Reply
    1. Shivi

      Just go through the YFP card review page. More than enough has already been written and discussed. That card is a gem!

      Reply
  15. Vikram

    Is this 2 cards in one account like Rubyx and Saphiro or separate Amex and Mastercard variants?

    Reply
    1. Vikram

      Looks like this unlike the Rubyx and Saphiro credit cards is either Amex or Mastercard variant.

      Reply
  16. Anynomus

    Hi Siddharth,

    Can I have this card, having 31.5 lakhs of yearly salary, (ICICI salary account)? Is there any way to get it free of cost?

    Reply
  17. Shivi

    Eligibility Criteria – All existing ICICI Bank Global Private Client customers are eligible to apply for the ICICI Bank Emeralde Credit Card ~ Anybody here who comes under that relationship with ICICI?

    Reply
  18. Vikram

    Hey Sid, new items like discounted premium gym memberships and salons seems to have been added now in the list of benefits. Please check and update.

    Reply
  19. Faraaz Kazi

    @Siddharth Considering ICICI is no longer giving Jet cards (Jet Sapphiro) will it be a good idea to go for the plain Sapphiro Amex variant?

    Reply
    1. Ram

      Hi Arun, can you please guide us to how you went about getting it? What’s the process, how did you convince ICICI bank to grant it, etc.?

      Reply
  20. abhishek shah

    I just got my emerald card but the benefits listed are vague – for example how to exactly opt for the free spa at airports and which airports? Nowhere can find the details!

    Reply
    1. Paras

      Hi Abhishek,can you share your experience of the emerald card.And how much is the total yearly fees including gst ? The supplementary card holder doesn’t get the same features right ?

      Reply
      1. Rampy

        Annual fee is as stated by Sid in the article. I opted for 1K + 18% GST monthly.

        It will be more than worth it when you choose annex variant & avail spa benefits a couple of times.

        Reply
    2. Rampy

      You can search for Airport O2 Spas on Google Maps. I found them in all major domestic airports like Delhi, Bangalore, Mumbai, Hyderabad, etc.

      Directly go to the counter, tell them that you have Dragon Pass with unlimited spa. They all you to choose spa from the list & off you go. I had a very good experience with the one in Delhi (domestic departure of international T3 terminal) but not so good with their outlet at Bangalore.

      Reply
  21. Amar

    Hey Sid – how did you get the Da Milano voucher?
    Did it come automatically after you got the 2 Lac milestone or did you raise a request with customer care?
    Asking coz I hit the milestone almost a month ago and haven’t received it yet. The customer care says it will come after 2 months only.

    Reply
  22. Shiv Kumar Singh

    What is the starting Limit of this card. I have applied for this card and the Branch Manger said to provide credit limit of more than 10 Lac.Is it a good card as the B.M forced me to apply for this card.

    Reply
    1. PK2

      Hello All,

      Just got call from ICICI
      They are offering only 1 variant either Master or AMEX
      Is this authentic? or fooling around

      Thanks,

      Pravin P Kudav

      Reply
      1. Rampy

        True, only one of the variants – Amex or Master. Amex gives better returns.

        Reply
  23. PK2

    HI All,
    Good Evening
    Anyone got this card? What is review?
    Thanks,
    PK2

    Reply
    1. Paras

      Hi PK2,
      Even I am waiting for someone’s review of the card 😊
      Maybe Siddharth can share his experience on this with us.

      Reply
      1. Shiv Kumar Singh

        I got this card with 12 Lac Limit. The only point I got this because the Branch manger forced me to apply for it, rather he visited my home with his team filled the form and I got the card in somehow 5 to 6 days.
        But coming on reward rate it’s poor 1 % , so if you use vlcc, airport lounge and spa sessions, then it’s worth otherwise it’s a mere a fashion piece in your wallet.
        Also if you want this go for Amex variant, it’s better than master card variant but acceptability is not good in non-metro cities.
        If you care for just rewards go for other super premium card.

        Reply
      2. Rampy

        My experience has been good.

        I use bookmyshow extensively. Having an option to get BOGO even on love entertainment like events, plays, etc makes it resourceful.

        I was able to utilize free spas at airports. Clubbing these with existing benefits of Amex variant, gives me more returns than the annual fee.

        This card is definitely not for your regular or daily spends (very very low reward rate). It’s usage is limited to specific services only. If they happen fall in your usage zone, then this card will work out very well for you.

        Reply
  24. Naveen Kumar

    I received the card this month. I am receiving JP miles instead of payback points, maybe because i had saphirro previously. Needs suggestion whether to ask for payback points or remain with JP miles.

    Reply
  25. Sanjay

    There is no discounts offered on kaya as claimed by icici. Would suggest to call kaya and others before someone takes a call to take this card. Icici has launched the card without informing its partners and customer has to pursue and sort all this with partners, waste of money on this card.

    Reply
    1. Rampy

      You can avail the Kaya benefit using HealthPass, their partner.

      True, partners (like Kaya) are not aware of this offer. Even ICICI Customer Care executives may not be aware of this offer. But if you book from the HealthPass app, it is HealthPass’s responsibility to get you this benefit.

      I haven’t availed this benefit yet, but had confirmed with HealthPass guys the day I received this card. They confirmed the offer & its procedure.

      Reply
      1. Siddharth Post author

        The interface they use to provide these benefits is one of the worst.

        Reply
  26. BIMIT KUMAR JAIN

    THERE ARE LOT OF PROBLEMS ASSOCIATED WITH THIS CARD e.g. NO ONE EVEN THE BANK EMPLOYEES KNOW THE BENEFITS LIKE THE MOVIE TICKETS BOOKING, HOW TO LINK IT TO THE MAIN ACCOUNT AND HOW TO GENERATE PIN WHICH MAY TAKE COUPLE OF DAYS WITHOUT ANY FRUITFUL RESULTS

    Reply
  27. Puneet N

    Does taking the Emeralde card upgrade you to wealth banking ? Can someone share their experience?

    Reply
    1. DD

      My banking relationship was elevated to ‘Wealth Management’ with Sapphiro Card. I’m positive that Emeralde card will upgrade the relationship to ‘wealth management’ as Emeralde > Sapphiro.

      Reply
      1. Kiran

        Hi,

        No more they are giving that option. I took sapphiro about 6 months back but when I asked for the wealth management upgrade they rejected it.

        You need 25 lac NRV with them to have the wealth management upgrade.

        If anyone who has got it done can guide us though.

        Cheers,
        Kiran

        Reply
  28. Puneet N

    I got my Emeralde card in Amex variant. I was assigned a credit limit of 15L. However, the experience post that was a disaster. The card got registered in my iMobile application as a coral card and in my internet banking, this card was visible in the dashboard and not under the credit cards tab. I am taking phone and email follow-ups every day to have this sorted. The customer care says there was an issue in the technical onboarding on the card due to which it is registered as a coral card. For now, they need 9 days to look into this. The card is good and stunning and comes in a lavish box with a lot of papers and booklets. DragonPass comes separately. Will keep posted on how this gets resolved.

    Reply
  29. ARNAB CHAUDHURI

    Finally I’m receiving my Emralde Amex card with annual membership. Sidharth, do you recommend to close down my existing sapphiro cards or continue with them for the mastercard lounge access ??? I have got diners clubmiles and RBL platinum maxima too for other lounge. But since ICICI is my primary card, what do you recommend ?

    Reply
      1. Siddharth Post author

        # Hold if its LTF, else close.

        # ICICI cards are usually not primary cards for most as they’re low rewarding.

        Reply
        1. Arnab Chaudhuri

          Beg to disagree but american express owned payback is the best in the country if you know how to use it. Every month i get 2x points on bigbasket via their app..additionally in amazon or flipkart… also shopping in any future group outlet gives me additional points…also with emralde card i can get free ticket cancellation now upto 12k and free boingo wifi. You just need to be able to know how to earn max payback. Anyways perception differs..for me icici is always the best as their imobile app and website is top of the line if you compare it to the crappy hdfc website and no app for credit card only users like me.

          Reply
          1. Siddharth Post author

            # Why settle with 2X while you can get 10X?

            # Boingo Wifi never works. I wasn’t able to use it in India so far.

    1. Shreyas Singh

      Do they provide unlimited SPA for add-on cards as well ??
      If yes, this card makes sense and i will go for it.
      Any leads would be appreciated

      Reply
  30. Arnab Chaudhuri

    I visited amex.boingo.com and it says from jan 1st 2020..they would no longer accept amex preferred customer signups 🙁

    HDFC bank told me even with the eligible itr of 18 to 20 lakh…they won’t issue me diners black or even diners privilege since i don’t have a hdfc account. They also stopped sourcing credit card applications for non-hdfc bank customers in nagpur. I even asked them to upgrade my card to privilege and then il open a account but they refused.

    So i will now use my ltf diners clubmiles in conjunction with amex emralde but after this snub i decided never i will open any account in hdfc this lifetime. Anyways since my clubmiles is ltf il stick with it with 3 lakh credit limit as of today. Thanks Siddharth.

    I closed my sbi elite since for 5 years they never increased my limit beyond 98k..currently i have rbl platinum maxima and kotak royale signature. Amex is not sourced in nagpur..Icici keeps on increasing my limit from time to time and so emralde is my primary card now with clubmiles as backup.

    Thanks Siddharth.

    Reply
  31. Arun

    Hi sid
    Is their amex 3% cashback on fuel station offer is running or not?

    Reply
  32. ARR

    Hi all,
    I received the Emerald Amex variant last week. I asked for the dual variants. But, they rejected my request and said, “ you can hold either Amex or Master at a time; not both”. I went with the Amex with annual fee. My limit with the other cards is Rs.5,10,000/-
    The design of the card is good and it came in a beautiful box.
    But, I’m not happy with the reward system. The card fee and GST were levied in the first month Itself. I may use this card for one year and close.

    Reply
    1. ARNAB CHAUDHURI

      Why dont u use the payback app for 2x rewards in amazon bigbasket swiggy and many other partners. U will earn additional points on credit card too. In this way u earn rewards from 2 sources in one transaction. I seriously cant understand the card which gives u 12k ticlet cancellation in flight and hotel..1.5% forex markup..trident vouchers.. 36k worth movie ticket in a year…unlimited spa n lounge…n people say icici sucks…i save so much money in a year…u have to use a super premium card in all spheres. If u just want for rewards…then get some other…last time in checked neither infinia nor dcb gives movie tickets except the 15% off. And ticket cancellation..emeralde has 1.5 forex…this type of card saves ur money from different sources of expenditure.

      Reply
  33. Sudheer

    Anyone has this card please confirm how Boingo WiFi works in India? Does it work in all airports and inflight? Does it work in other public areas like malls & restaurants and what are the covered cities in India?

    Reply
    1. Arnab Chaudhuri

      Visit amex.boingo.com There you will find that boingo no longer onboards preferred plan for customers with amex cards from jan 1st 2020. So no ..as it stands today…that offer is withdrawn. Siddharth should update the thread too.

      Reply
      1. Shivi

        This thread is not about AmEx tie-up with Boingo but ICICI Emeralde card and its offers.

        Reply
  34. Sudheer

    Hi, I am planning to apply Emerald card. Please someone confirm if Boingo WiFi still applicable and appreciate if someone shares their experience on this card? Is it worth to opt monthly fee?

    Reply
    1. Shivi

      Call up ICICI customer care and ask about Boingo WiFi. I don’t see any benefit of opting for monthly fee till you are sure to cancel it mid year.

      Reply
  35. Mrigankh Saluja

    Recently my Dad was offered emeralde as an upgrade to his existing card. All the income documents were provided and we received the card today.
    Now emeralde is a super premium card and the monthly fees of ₹1000 is waived off only if you spend ₹1,00,000 in a month. But the funny part is the limit provided on this super premium card is ₹63,000.

    Reply
    1. Sumit

      Dad was offered the same LTF at limit ” per-approved 25 lakh” on the basis of his long standing relationship with ICICI. Received the card with actual limit of 28,000. ICICI with it’s after-thought internal policy regarding credit limit is laughing stock of credit card issuers in India.

      Reply
  36. PK

    Update : Such a shame that they have removed Delhi airports from Complimentary Spa Programme.

    Reply
  37. Arnab Chaudhuri

    @Shivi

    Dude. In the other thread also u commented about my clubmiles card upgrade issue. HDFC told me I need to have auto-debit active for limit increase and card upgrade. That means without account, its not possible. If you want send me your whatsapp no. ‘N’ i’l forward the screenshots of the letter.

    Goto emeralde page, under ‘Complimentary Airport & In-flight Wi-Fi Access’ click here on ‘For How to Avail and Terms & Conditions, please click here’. That here used to have an instruction guide…but after jan 1st,2020 it no longer works. Similarly visit ‘mastercard.boingo.com’ and see there that there is a option to check the card eligibility. amex.boingo.com had the same option. But it no longer works.
    Now, visit this site :-

    ‘icicibank.com/Personal-Banking/cards/commercial-cards/ascent-business-advantage-card.page?’

    Under ‘SME exclusive benefits’ amex boingo preferred plan is mentioned. The same thing was there under emeralde webpage. But since its closure that particular pdf guide was taken down. Boingo needs to have a plan to work.

    Lastly I didn’t want to personally address you but now I have to. First of all, do a little bit of research before posting wild comments ok. I have been using credit cards for almost 10 years and definitely I ain’t stupid. So kindly do a bit of RnD before posting your comments.

    PS:- Siddharth, kindly plz don’t moderate my comments. Thats my request.

    Reply
    1. Paras Dutta

      Just for information for people who think the Boingo offer doesn’t work,it does.They send you the voucher with the weblink where you need to put the voucher details and done.
      The weblink is of Boingo itself(redeem.boingo.com or something)I entered my voucher details and it showed me that now i am a Amex Preferred plan member and then created my login credentials and done.

      Reply
    2. Shivi

      @ Arnab – If you revisit your boingo post in context to Sudheer’s comment, my reply was directed only towards your “out of context” mention of AmEx link. One can’t link up offers across the board on different cards.

      I have done enough research on cards which i want & own and of-course I don’t need to whine about HDFC not providing me card upgrades and/or limit enhancements. Understand that they have different requirements for everyone. You sure need to revisit your HDFC upgrade issues for someone who has been “using credit cards for almost 10 years”.

      No comments about your self assessment “definitely I ain’t stupid”

      Reply
      1. Arnab Chaudhuri

        What I stated earlier is confirmed by customer care alright. And if you had bothered to even read the defunct pdf ‘Boingo T&C.pdf’ which was earlier there…you would have known that what I stated and what is there in the business ascent card link is same. That pdf link was there in the main emeralde product page. I emailed this to ‘[email protected]’ and they also confirmed me the same thing. BTW my HDFC card got upgraded and unlike you I stated facts which you called whining. Want proof? Give your email. Lastly I don’t need your kind comments as they mean nothing to me.

        Reply
  38. Sudheer

    Hello, I have applied and received Emeralde card 3 months back before lockdown with monthly fee option. With current situation, I couldn’t use the card benefits at least this year. I want to cancel the card to save monthly fee. Please anyone can suggest how to proceed with?

    Reply

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