Amex Membership Rewards Card vs ICICI Emeralde Private Metal
Detailed comparison of these two popular credit cards
Amex Membership Rewards Card
American Express
Mid-RangeVS
Winner
ICICI Emeralde Private Metal
ICICI Bank
Super PremiumAnnual Fee
₹5K vs ₹12K
Effective Rate
(cash value)
0.7% vs 1.0%
Lounge Access
None vs Unlimited
Detailed Comparison
| Feature | Amex Membership Rewards Card | ICICI Emeralde Private Metal |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹1K | ₹12K |
| Annual Fee | ₹5K | ₹12K |
| Fee Waiver | None | Spend ₹10L annually |
| Forex Markup | - | 1.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.7% | 1% |
Lounge Access | ||
| Domestic Lounges | None | Unlimited |
| Priority Pass | - | Yes |
Eligibility | ||
| Min. Income | ₹6.0L | ₹42.0L |
Amex Membership Rewards Card is Best For
Regular spenders making 4+ transactions/month
Watch Out
- • Fuel excluded from Jun 2025
ICICI Emeralde Private Metal is Best For
Ultra HNI customers
View ICICI Emeralde Private Metal DetailsOur Verdict
Based on overall features and value,
ICICI Emeralde Private Metal wins!
Score: 21vsScore: 58
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