ICICI Bank Emeralde Credit Card vs HDFC Bank INFINIA Metal Credit Card
A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
Rs. 1,000 + GST (per month)
₹12,500 + GST
Renewal Fee
Rs. 1,000 + GST (per month)
₹12,500 + GST
Spend Based Waiver
Monthly fee reversed on the expenditure of Rs. 1,00,000 in the previous month, annual fee reversed on an annual spend of Rs. 15,00,000 in the previous anniversary year.
Renewal Fee Waived on Spends of ₹10 Lakh
Foreign Transaction Fees
1.5% of the total transaction amount
2% + GST (~2.36%)
Interest Rate (APR)
3.40% per month (or 40.80% annualized)
1.99% per month or 23.8% annualized
Rewards & Benefits
Welcome Bonus
Not Applicable
Welcome bonus of 12,500 Reward Points and complimentary Club Marriott membership for the first year offering 20% discounts on dining and stay in the Asia-Pacific region.
Rewards Rate
4 RPs on every Rs. 100 spent on all transactions (except fuel, utilities and insurance categories) and 1 RP on every purchase of Rs. 100 on insurance and utilities.
5 Reward Points on every retail spend of Rs. 150, reward rate of up to 3.3%
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Rs. 99 + GST on each redemption request
Nil
Travel & Lifestyle
Domestic Lounge Access
Complimentary unlimited domestic airport lounge access under the MasterCard/American Express/Visa lounge program
Unlimited Free Domestic Airport Lounge Access
International Lounge Access
Complimentary unlimited international airport lounge access under the Dreamfolks program membership
Unlimited Complimentary International Lounge Access for Primary and Add-On Cardholders Across the Globe with a Priority Pass
Travel Benefits
Complimentary international & domestic lounge visits, no charge (waived up to a max of Rs. 12,000) on cancellation of flight/hotel/movie ticket bookings up to max two cancellations every year
Complimentary Priority Pass Membership
Dining & Movie Benefits
A discount of up to Rs. 750 on BookMyShow second movie/event ticket onwards (max 4 tickets per month), no cancellation charge on movie ticket cancellation (max benefit of Rs. 12,000 per year), a minimum discount of 15% at partnered restaurants under the ICICI Culinary Treats program.
1 + 1 Complimentary Buffet at ITC Hotels and Up to ₹750 With Swiggy Dineout
Golf Benefits
Complimentary round/lesson of golf each month on a minimum spend of Rs. 50,000 in the previous month (max 4/month)
Unlimited complimentary golf games at leading golf courses across India and abroad. Unlimited golf coaching at multiple golf courses across India
Fuel Surcharge Waiver
1% fuel surcharge waived on all fuel purchases at all fuel pumps across the country.
1% Fuel Surcharge Waiver (Up to ₹1,000 Each Statement Cycle)
Security & Other
Insurance Benefits
Credit Shield insurance worth Rs. 50,000, an air accidental death cover worth Rs. 3 crore and many other insurance benefits under travel category (as illustrated later in the article)
Insurance cover worth Rs. 3 crores against accidental air death, a cover worth Rs. 50 lakh against medical emergencies during international air travel, and credit shield cover worth Rs. 9 lakh
Cash Advance Charges
Nil
NIL (Interests charges applicable)
Ready to Choose?
Based on your comparison, select the credit card that best matches your spending habits and financial goals.