ICICI Gemstone Credit Card Collection: Rewards and Charges

The ICICI Gemstone credit card collection has 4 unique credit cards. These include ICICI Bank Coral credit card, ICICI Bank Rubyx credit card, ICICI Bank Sapphiro credit card and ICICI Bank Emeralde Credit Card. Each of these credit cards is designed with distinct features to match different spending needs. Let’s explore the collection in detail. 

List of ICICI Gemstone Credit Cards in 2025

From exclusive travel and dining benefits to rewards and insurance coverage, the ICICI Gemstone Credit Card collection offers something to every cardholder. Here’s what you need to know about the 4 cards from this collection: 

1. ICICI Bank Coral Credit Card

With the ICICI Bank Coral Credit Card, you get access to a host of lifestyle privileges. Enjoy complimentary lounge visits, that is 4 at railway lounges annually and 1 domestic airport lounge per quarter. Get up to 25% discount on movie tickets and dining spends, along with accident insurance coverage of ₹2 lakh. 

• Rewards: Earn 2,000 reward points on spends of ₹2 lakh and an additional 1,000 points for every extra ₹1 lakh spent, up to a maximum of 10,000 points per anniversary year. 
• Joining Fees: ₹500 + GST 
• Annual Fees: ₹500 + GST (upon spending above ₹1.5 lakh in a year, you can enjoy a waiver on the next year’s annual fee)

1. ICICI Bank Rubyx Credit Card

The ICICI Bank Rubyx Credit Card brings together safety, savings and exclusive perks. Cardholders enjoy air accident insurance coverage of up to ₹1 crore, along with welcome vouchers worth ₹5,000. Plus, they get a flat 25% off on movie tickets (up to ₹150 per ticket) when booking through BookMyShow or INOX. 

• Rewards: Earn 3,000 reward points on spends of ₹3 lakh, plus 1,500 points for every additional ₹1 lakh, capped at 15,000 points per year. 
• Joining Fees: ₹3,000 + GST
• Annual Fees: ₹2,000 + GST (upon spending above ₹1.5 lakh in a year, you can enjoy a waiver on the next year’s annual fee)

1. ICICI Bank Sapphiro Credit Card

By using this card, cardholders can enjoy air accident insurance coverage of up to ₹3 crore and exclusive welcome vouchers worth ₹13,000 from brands like EazyDiner, EaseMyTrip and Tata Croma. They also get complimentary movie or event tickets, free golf rounds and a 1% fuel surcharge waiver (up to ₹4,000) at any fuel station across India.

• Rewards: Spend ₹4 lakh to get 4,000 reward points, with an additional 2,000 points for every further ₹1 lakh.
• Joining Fees: ₹6,500 + GST
• Annual Fees: ₹3,500 + GST (waived on spends above ₹6 lakh in a year)

1. ICICI Bank Emeralde Credit Card

For the users holding this card, entertainment is more rewarding since they get to avail the Buy 1, Get 1 offer on BookMyShow tickets (₹750 off on the second ticket). In addition, they also benefit from zero cancellation charges on hotel and flight bookings, capped at ₹12,000 annually.

• Rewards: Earn from 6x to 12x reward points on iShop. 
• Joining Fees: ₹12,000 + GST
• Annual Fees: ₹12,000 + GST (waived if yearly spends exceed ₹10 lakh)

Looking for rewarding lifestyle perks with lower joining and annual fees? Apply for the Suryoday Bank FD Credit Card via Stable Money! Enjoy a 100% fuel surcharge waiver, exclusive flight discounts, insurance, concierge services and 0.5% cashback on every spend, all at minimal cost (₹150  + GST). 

And the best part? No joining or annual fee for the first 10,000 cardholders. So what are you waiting for? Download the app now! 

How to Apply for the ICICI Bank Gemstone Credit Card​ Online? 

To apply for any of the ICICI Bank Gemstone Credit Cards​ online, you need to visit the bank's official page. Follow the steps given below to proceed further: 

Step 1: Select the card that you want to obtain.

Step 2: Click on the ‘Apply Now’ button.

Step 3: A form will be opened. Enter all the details to start your application process, such as mobile number, PAN and date of birth.

Step 4: Tick the consent boxes and hit the ‘Continue’ button.

Step 5: An OTP will be sent to your mobile number. Enter it along with other details.

Step 6: Type the captcha and hit the ‘Submit’ button.

Skip the hassle of multiple steps and get a secured credit card via Stable Money. Download the app to know more.