HDFC Millennia vs ICICI Emeralde Private Metal
Detailed comparison of these two popular credit cards
HDFC Millennia
HDFC Bank
Mid-RangeVS
Winner
ICICI Emeralde Private Metal
ICICI Bank
Super Premium*
Different Reward Types
Card 1 gives 💵 Cashback while Card 2 gives ⭐ Reward Points. We're showing effective cash values for fair comparison.
Annual Fee
₹1K vs ₹12K
Effective Rate
(cash value)
1.0% vs 1.0%
Lounge Access
8/year vs Unlimited
Detailed Comparison
| Feature | HDFC Millennia | ICICI Emeralde Private Metal |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹1K | ₹12K |
| Annual Fee | ₹1K | ₹12K |
| Fee Waiver | Spend ₹1L annually | Spend ₹10L annually |
| Forex Markup | 3.5% | 1.5% |
Rewards | ||
| Reward Type | 💵Cashback | ⭐Reward Points |
| Effective Cash Value | 1% | 1% |
Lounge Access | ||
| Domestic Lounges | 8/year | Unlimited |
| Priority Pass | - | Yes |
Eligibility | ||
| Min. Income | ₹6.0L | ₹42.0L |
HDFC Millennia is Best For
Online shoppers on major platforms
Watch Out
- • 5% cashback capped at ₹1000/month
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: 34vsScore: 58
