BOB Eterna Credit Card vs ICICI Emeralde Private Metal
Detailed comparison of these two popular credit cards
BOB Eterna Credit Card
Bank of Baroda
Super PremiumVS
Winner
ICICI Emeralde Private Metal
ICICI Bank
Super PremiumAnnual Fee
₹2K vs ₹12K
Effective Rate
(cash value)
0.8% vs 1.0%
Lounge Access
Unlimited (₹40K quarterly spend req) vs Unlimited
Detailed Comparison
| Feature | BOB Eterna Credit Card | ICICI Emeralde Private Metal |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹2K | ₹12K |
| Annual Fee | ₹2K | ₹12K |
| Fee Waiver | JF: ₹25K/60 days; AF: Spend ₹2.5L/year | Spend ₹10L annually |
| Forex Markup | 2% | 1.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.75% | 1% |
Lounge Access | ||
| Domestic Lounges | Unlimited (₹40K quarterly spend req) | Unlimited |
| Priority Pass | No | Yes |
Eligibility | ||
| Min. Income | ₹18.0L | ₹42.0L |
BOB Eterna Credit Card is Best For
BOB's premium travel card
Watch Out
- • No Priority Pass despite premium positioning
- • Lounge requires ₹40K quarterly spend from Jan 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: 22vsScore: 58
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