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
₹9,999 + GST
₹12,500 + GST
Renewal Fee
₹12,000 + GST
₹9,999 + GST
₹12,500 + GST
Spend Based Waiver
Annual fee waived on ₹10-15 lakh annual spends; monthly fee waived on ₹1 lakh monthly spends.
Annual fee waived on achieving annual spends of ₹12,00,000 in the previous anniversary year.
Renewal fee waived on ₹10 lakhs or more spend in preceding 12 months for Metal Edition.
Foreign Transaction Fees
2% of the transaction amount (some sources indicate 1.5%).
1.99% of the transaction amount.
2% + GST (~2.36%) on all foreign currency transactions.
Interest Rate (APR)
General finance charges: 3.75% or 3.40% per month. Cash advance: 3.75% or 1.99% per month.
3.75% per month (45% per annum).
1.99% per month (23.8% annualized) on the due amount.
Rewards & Benefits
Welcome Bonus
American Express Cardholders receive a shopping voucher from TATA CLiQ worth ₹5,000 on their birthday.
40,000 AURUM Reward Points (₹10,000), plus Club Marriott, WSJ, Mint, and IPV memberships.
Complimentary Club Marriott membership for 1st year & 12,500 bonus Reward Points on activation.
Rewards Rate
Earn 4 Reward Points on every ₹100 domestic/international spend; 1 RP on Utility/Insurance.
Earn 4 ARP on every ₹100 non-fuel spend (1 ARP = ₹0.25), a 1% reward rate.
Earn 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping.
Reward Type
Reward Points
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST per reward redemption request.
₹99 + applicable taxes per redemption request.
Nil
Travel & Lifestyle
Domestic Lounge Access
Unlimited complimentary domestic airport lounge access for the primary Cardholder.
4 complimentary domestic lounge accesses per quarter for primary & add-on cardholders + spa access.
Unlimited complimentary airport lounge access in India for primary and add-on cardholders.
International Lounge Access
Unlimited complimentary international airport lounge access for the primary Cardholder.
Unlimited international lounge access via Dreamfolks program, with 1 complimentary guest visit per quarter.
Unlimited complimentary airport lounge access globally via Priority Pass for primary & add-on.
Travel Benefits
Unlimited complimentary international and domestic airport lounge access; travel cancellation protection.
Flight cancellation cover of ₹3,500 (refundable) / ₹3,000 (non-refundable), up to 2 times yearly.
Complimentary Club Marriott & ITC Hotels stay offers; Redeem RP for flights/airmiles on SmartBuy.
Movie Benefits
Buy one get one up to ₹750 off on movie/event tickets via BookMyShow, up to 4 times monthly.
4 complimentary BookMyShow movie tickets (₹250 each) every month, max 2 tickets per booking.
Dining Benefits
Minimum 15% discount on dining bills at partnered restaurants through the Culinary Treats Programme.
Complimentary Club Marriott membership; 1+1 buffet at ITC; FLAT 10% EXTRA OFF on Swiggy Dineout.
Golf Benefits
Up to 4 complimentary golf rounds or lessons monthly, based on eligible previous month's spends.
16 complimentary golf rounds (4/quarter) and 12 golf lessons per calendar year.
Unlimited complimentary golf lessons and games at leading courses across India and worldwide.
Fuel Surcharge Waiver
1% waiver on fuel transactions up to ₹4,000 at any fuel station across India.
1% waiver (₹500-₹4,000 transactions, max ₹250 waiver/cycle) across all petrol pumps.
1% waiver on transactions ₹400-₹1,00,000, capped at ₹1,000 per statement cycle.
Security & Other
Insurance Benefits
₹3 Crore Air Accident Insurance, ₹50,000 Credit Shield, and comprehensive international travel insurance.
₹1 Lakh travel insurance, ₹3.5 Crore air accidental death, ₹10 Lakh lost card & fraud protection.
Accidental Air Death ₹3 Cr, Emergency Overseas Hospitalization ₹50 L, Credit Shield ₹9 L.
Cash Advance Charges
Nil cash advance charges, but interest rates apply immediately from the transaction date.
2.50% of withdrawn amount, minimum charge of ₹500.
NIL, but interest charges are applicable from the date of cash advance.