Disclaimer Emeralde Credit Card Privileges With Unlimited Benefits - ICICI Bank

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:

Card Liability Cover (Lost Card Liability,  
Counterfeit/Skimming/Phishing and Online Fraud Protection).  

Personal Accident due to Air (Death only)  


Purchase Protection  


Baggage Insurance  


Loss of Checked in Baggage  


Delay of Checked in Baggage


Loss of Passport and travel related documents  


Missing of Connecting International Flight During  



Plane Hijacking  


Delay in Flight  


Medical Expenses for Bodily injury caused by and arising out of Rail/Road accident.  


Credit Shield  



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: ihealthcare@icicilombard.com. 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.