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Emeralde Credit Card Privileges

Fuel Surcharge Waiver

  • 1% fuel surcharge waived off on fuel transactions at any fuel outlet.

ICICI Bank Credit Cards Experience Assurance

  • Comprehensive insurance cover

You are entitled to an air accident insurance of ₹3 crore. The following table gives you an overall look at the insurance benefits:

Covers Emeralde
Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection). 50,000
Personal Accident due to Air (Death only) 3,00,00,000
Purchase Protection 1,40,000
Baggage Insurance 25,000
Loss of Checked in Baggage 84,000
Delay of Checked in Baggage 21,000
Loss of Passport and travel related documents 35,000
Missing of Connecting International Flight During Transit 21,000
Plane Hijacking 75,000
Delay in Flight 17,500
Medical Expenses for Bodily injury caused by and arising out of Rail/Road accident. 50,000
Credit Shield 50,000


All insurance benefits will be applicable only in case the ICICI Bank Emeralde Credit Card has been used at least once in the last 60 days prior to the event. All insurance benefits are available on the Primary Card only. There is no insurance cover on Supplementary Cards. Please ensure that the minimum amount due on your Credit Card is paid at all times to avail of insurance benefits.

*Applicable for international travel only and not for domestic travel and only when the tickets are purchased on the ICICI Bank Emeralde Credit Cards. Travel insurance covers international travel only.

Insurance is the subject matter of solicitation. The insurer for the cover as aforesaid is ICICI Lombard General Insurance Co. Ltd. The policy is governed by the terms and conditions laid down by ICICI Lombard General Insurance Co. Ltd. ICICI Bank is not responsible for processing of claims and all claim related queries need to be taken up directly on ICICI Lombard General Insurance Co. Ltd. Toll-Free number: 1800-2666, Email ID: For more details on the terms and conditions of the insurance cover on ICICI Bank Credit Cards, please click here.

Counterfeit Card Liability

Protect yourself against fraudulent transactions or misuse.

Account Takeover Cover

Remain protected in the event of your personal details being accessed and misused by a third person.

Chip and Pin Card

Our Credit Cards come with an embedded microchip which provides additional security against counterfeiting and duplication of cards.

  • The new chip cards have an extra layer of security in the form of a Personal Identification Number (PIN)
  • You will be required to enter your PIN on the terminal for transactions at merchant outlets
  • To know more about Chip and PIN security, please click here
  • This PIN is not required for online transactions.