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| Feature | HDFC Bank HDFC Bank Infinia Metal Edition Credit Card | ICICI Bank ICICI Bank Emeralde Private Metal Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | ICICI Bank |
| Network | Visa | Visa |
| Annual fee | ₹12,500 + GST per year | ₹12,499 + GST per year |
| Annual fee waiver | At ₹10,00,000 annual spending | At ₹10,00,000 annual spending |
| Base reward rate | 1% | 3% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | Unlimited domestic airport lounge visits • Unlimited international airport lounge visits | Unlimited domestic airport lounge visits • Unlimited international airport lounge visits |
| Forex markup | 2% | 2% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | High-net-worth individuals and senior leaders with ₹1 Lakh+ monthly spend. | ICICI private/premium banking clients with very high monthly spend. |
| Main trade-off | Strictly invite-only. HDFC does not publish a universal income threshold, and premium redemption values require specific routes. | Invite-only: generally requires an existing ICICI private banking or premium relationship to be offered this card. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
