Emirates Skywards ICICI Bank Emeralde Credit Card VS Emirates Skywards ICICI Bank Rubyx Credit Card VS Emirates Skywards ICICI Bank Sapphiro Credit Card VS Standard Chartered Emirates World Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Emirates Skywards ICICI Bank Emeralde Credit Card
Emirates Skywards ICICI Bank Rubyx Credit Card
Emirates Skywards ICICI Bank Sapphiro Credit Card
Standard Chartered Emirates World Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Offers a generous earning rate of 2 Skywards Miles for every ₹100 spent on retail.
Provides substantial welcome and renewal benefits, including bonus miles and Skywards Silver/Gold Tier.
Enjoy unlimited complimentary access to both domestic and international airport lounges.
Exclusive discounts on Emirates flight bookings and milestone-based Gold Tier upgrades.
Includes valuable lifestyle perks like Buy 1 Get 1 Free movie tickets and dining deals.
Pros
Key benefits and features.
Earns Skywards Miles on all retail spends, both domestic and international.
Offers discounts on Emirates flight bookings, making travel more affordable.
Provides complimentary domestic airport lounge access for comfortable journeys.
Includes movie ticket discounts and dining offers for entertainment and savings.
Relatively low annual fee for a travel-focused card, offering good value.
Pros
Key benefits and features.
Generous Skywards Miles earning rate on all retail spends, both domestic and international.
Complimentary Emirates Skywards Silver Tier membership with potential upgrade to Gold.
Extensive airport lounge access, covering both domestic and international terminals.
Valuable Buy 1 Get 1 Free movie ticket offer on BookMyShow, available twice monthly.
Significant discounts on Emirates flight bookings, enhancing travel savings.
Pros
Key benefits and features.
Earn accelerated Skywards miles, especially on Emirates.com, maximizing travel rewards.
Enjoy complimentary domestic and international lounge access for comfortable journeys.
Access valuable golf benefits, including free lessons, discounts, and complimentary green fees.
Benefit from extensive travel insurance, including Rs. 1 Cr air accident coverage.
Get 5% cashback on duty-free shopping, saving up to Rs. 1,000 monthly on purchases.
Cons
Key drawbacks and limitations.
The card carries a high joining and annual fee of ₹10,000 + GST each year.
There is no annual fee waiver available, regardless of the spending amount.
A significant foreign currency markup of 3.50% applies to all international transactions.
Skywards Miles are not earned on specific categories like fuel, insurance, and utilities.
Movie offer eligibility requires a minimum spend of ₹25,000 in the preceding quarter.
Cons
Key drawbacks and limitations.
No complimentary international lounge access, limiting global travel perks.
Lounge and movie benefits are spend-based, requiring significant quarterly spending.
No specific welcome benefits are offered upon card activation or joining.
High foreign currency markup fee of 3.5% on all international transactions.
Cons
Key drawbacks and limitations.
High joining and annual fees of ₹5,000 + GST, which can be a significant upfront cost.
Movie and domestic lounge benefits are spend-based, requiring quarterly spends to unlock.
Reward redemption is limited to Emirates and its partners, not suitable for all travelers.
No Skyward Miles on certain transaction categories like fuel, utilities, and government payments.
High foreign currency markup fee of 3.5% on all international transactions.
Cons
Key drawbacks and limitations.
The annual fee of Rs. 3,000 + GST lacks a spend-based waiver, increasing yearly cost.
A significant 3.5% foreign currency markup applies, making international spends costly.
A rewards redemption fee of Rs. 99 + taxes is charged per redemption request.
Less ideal for non-frequent travelers or those not preferring Emirates, limiting its value.