Amex SmartEarn vs ICICI Emeralde Private Metal
Detailed comparison of these two popular credit cards
Amex SmartEarn
American Express
EntryVS
Winner
ICICI Emeralde Private Metal
ICICI Bank
Super PremiumAnnual Fee
₹495 vs ₹12K
Effective Rate
(cash value)
0.7% vs 1.0%
Lounge Access
None vs Unlimited
Detailed Comparison
| Feature | Amex SmartEarn | ICICI Emeralde Private Metal |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹0 | ₹12K |
| Annual Fee | ₹495 | ₹12K |
| Fee Waiver | Spend ₹40K annually | 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 | ₹4.5L | ₹42.0L |
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
