ICICI Bank Emeralde Private Metal Credit Card
ICICI private/premium banking clients with very high monthly spend.
Main trade-off
Invite-only: generally requires an existing ICICI private banking or premium relationship to be offered this card.
Direct comparison
Compare 2 credit cards
Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
Compare every selected card in one table.
Swipe sideways to see all 2 cards.
| Feature | ICICI Bank ICICI Bank Emeralde Private Metal Credit Card | HDFC Bank HDFC Bank Infinia Metal Edition Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | ICICI Bank | HDFC Bank |
| Network | Visa | Visa |
| Annual fee | ₹12,499 + GST per year | ₹12,500 + GST per year |
| Annual fee waiver | At ₹10,00,000 annual spending | At ₹10,00,000 annual spending |
| Base reward rate | 3% | 1% |
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 | ICICI private/premium banking clients with very high monthly spend. | High-net-worth individuals and senior leaders with ₹1 Lakh+ monthly spend. |
| Main trade-off | Invite-only: generally requires an existing ICICI private banking or premium relationship to be offered this card. | Strictly invite-only. HDFC does not publish a universal income threshold, and premium redemption values require specific routes. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Your spending
Which card gives you more value?
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
Monthly total
₹0
₹0/mo
₹0/mo
₹0/mo
₹0/mo
₹0/mo
₹0/mo
Merchant-specific bonuses are not assumed for broad categories. The calculation uses the verified general eligible rate unless a qualifying merchant is explicitly supplied in a detailed GainFair flow.
Add at least one spending amount to calculate your comparison.