AU Ixigo Credit Card vs ICICI Emeralde Private Metal
Detailed comparison of these two popular credit cards
AU Ixigo Credit Card
AU Small Finance Bank
EntryVS
Winner
ICICI Emeralde Private Metal
ICICI Bank
Super PremiumAnnual Fee
FREE vs ₹12K
Effective Rate
(cash value)
1.3% vs 1.0%
Lounge Access
8/year vs Unlimited
Detailed Comparison
| Feature | AU Ixigo Credit Card | ICICI Emeralde Private Metal |
|---|---|---|
Fees & Charges | ||
| Joining Fee | FREE | ₹12K |
| Annual Fee | FREE | ₹12K |
| Fee Waiver | None | Spend ₹10L annually |
| Forex Markup | 0% | 1.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1.25% | 1% |
Lounge Access | ||
| Domestic Lounges | 8/year | Unlimited |
| Priority Pass | - | Yes |
Eligibility | ||
| Min. Income | ₹3.0L | ₹42.0L |
AU Ixigo Credit Card is Best For
Budget travelers (if grandfathered on zero forex)
Watch Out
- • Zero forex removed for new cardholders
- • Lounge now requires ₹20K/quarter spend
- • International rewards removed Dec 2024
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: 50vsScore: 58
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