BOB Premier Credit Card vs ICICI Emeralde Private Metal
Detailed comparison of these two popular credit cards
BOB Premier Credit Card
Bank of Baroda
PremiumVS
Winner
ICICI Emeralde Private Metal
ICICI Bank
Super PremiumAnnual Fee
FREE vs ₹12K
Effective Rate
(cash value)
0.5% vs 1.0%
Lounge Access
4/year vs Unlimited
Detailed Comparison
| Feature | BOB Premier Credit Card | ICICI Emeralde Private Metal |
|---|---|---|
Fees & Charges | ||
| Joining Fee | FREE | ₹12K |
| Annual Fee | FREE | ₹12K |
| Fee Waiver | LTF till Mar 2026 | Spend ₹10L annually |
| Forex Markup | 3.5% | 1.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.5% | 1% |
Lounge Access | ||
| Domestic Lounges | 4/year | Unlimited |
| Priority Pass | - | Yes |
Eligibility | ||
| Min. Income | ₹6.0L | ₹42.0L |
BOB Premier Credit Card is Best For
Free premium card with travel benefits
Watch Out
- • LTF offer valid till Mar 2026
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: 38vsScore: 58
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