ICICI Bank Emeralde Credit Card vs SBI AURUM Credit Card vs HDFC Bank INFINIA Metal Credit Card
A detailed, side-by-side look at 3 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
₹12,000 + GST (Annual Plan) or ₹1,000 + GST (Monthly Plan)
Rs. 9,999 + GST
₹12,500 + Applicable Taxes (for Infinia Metal Edition)
Renewal Fee
₹12,000 + GST (Annual Plan) or ₹1,000 + GST (Monthly Plan)
Rs. 9,999 + GST
₹12,500 + Applicable Taxes (for Infinia Metal Edition)
Spend Based Waiver
Annual fee waiver on ₹15L annual spend; monthly fee waiver on ₹1L monthly spend.
Annual fee waived on achieving annual spends of Rs. 12,00,000 in previous year.
Spend ₹10 lakh or more in preceding 12 months to get renewal fee waived for the next year.
Foreign Transaction Fees
Reduced foreign currency markup of 1.5% on international transactions.
1.99% of the transaction amount.
Lowest markup fee of 2% + GST (~2.36%) on all foreign currency transactions.
Interest Rate (APR)
Finance charges 3.4% p.m. (40.8% p.a.). ATM cash withdrawal interest 1.99% p.m.
3.75% per month (45% per annum).
1.99% per month or 23.8% annualized on the due amount for revolving credit.
Rewards & Benefits
Welcome Bonus
₹5,000 TATA CLiQ shopping voucher on birthday (for AmEx Cardholders).
40,000 Reward Points (worth ₹10,000) & 1-year memberships to Club Marriott, WSJ, Mint.
Complimentary Club Marriott membership for the first year & 12,500 bonus Reward Points upon fee realization.
Rewards Rate
Earn 4 RP/₹100 on retail, 1 RP/₹100 on utilities & insurance.
Earn 4 Reward Points for every Rs. 100 spent (1% reward rate).
Earn 5 Reward Points on every ₹150 retail spend, up to 10x on Smartbuy (up to 3.3% rate).
Reward Type
Reward Points
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST per rewards redemption request.
Rs. 99 plus applicable taxes per redemption request.
Nil.
Travel & Lifestyle
Domestic Lounge Access
Unlimited complimentary domestic airport lounge access for primary cardholder.
4 complimentary domestic airport lounge access per quarter for primary & add-on cardholders.
Unlimited complimentary airport lounge access in India for primary and add-on cardholders.
International Lounge Access
Unlimited complimentary international airport lounge access for primary cardholder.
Unlimited international airport lounge access with Dreamfolks membership + 1 guest visit quarterly.
Unlimited complimentary airport lounge access abroad via Priority Pass for primary and add-on cardholders.
Travel Benefits
No cancellation fees on domestic flights/hotels (up to ₹12K/year). Low 1.5% forex markup.
Complimentary Spa access quarterly. Flight cancellation cover of up to Rs. 3,500/ticket.
Unlimited lounge access, ITC hotel stay benefits, flight/hotel bookings via SmartBuy, and concierge.
Movie Benefits
Buy one get one up to ₹750 off on movie/event tickets via BookMyShow, 4 times monthly.
4 complimentary BookMyShow movie tickets every month, each capped at Rs. 250.
Not Applicable
Dining Benefits
Min. 15% discount on dining bills at partnered restaurants under Culinary Treats Programme.
Not Applicable
Up to 20-25% discounts on dining with Club Marriott & FLAT 10% EXTRA OFF via Swiggy Dineout.
Golf Benefits
1 free golf round/lesson monthly on ₹50K spend, up to 4 rounds/lessons per month.
16 complimentary golf rounds & 12 golf lessons per calendar year.
Unlimited complimentary golf lessons and games at leading courses globally with 100% green fee waiver.
Fuel Surcharge Waiver
1% fuel surcharge waiver (up to ₹4,000/transaction) at all fuel stations.
1% fuel surcharge waiver at all fuel stations across India.
1% fuel surcharge waiver (₹400-₹1L transactions), max ₹1,000 per statement cycle.
Security & Other
Insurance Benefits
₹3 Cr Air Accident, ₹50K Credit Shield, International Travel (Baggage, flight delay).
Travel insurance (₹1L flight delay/baggage) & Lost Card/Fraud Protection (₹10L).
Accidental Air Death cover (₹3 Cr), overseas hospitalization (₹50L), Credit Shield (₹9L).
Cash Advance Charges
Nil fee, but 1.99% p.m. interest on ATM cash withdrawals.
2.50% of withdrawn amount, minimum Rs. 500.
NIL. Interest charges are applicable.