HDFC Regalia vs ICICI Emeralde Private Metal
Detailed comparison of these two popular credit cards
HDFC Regalia
HDFC Bank
PremiumVS
Winner
ICICI Emeralde Private Metal
ICICI Bank
Super PremiumAnnual Fee
₹3K vs ₹12K
Effective Rate
(cash value)
1.3% vs 1.0%
Lounge Access
12/year vs Unlimited
Detailed Comparison
| Feature | HDFC Regalia | ICICI Emeralde Private Metal |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹3K | ₹12K |
| Annual Fee | ₹3K | ₹12K |
| Fee Waiver | Spend ₹3L annually | Spend ₹10L annually |
| Forex Markup | 2% | 1.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1.33% | 1% |
Lounge Access | ||
| Domestic Lounges | 12/year | Unlimited |
| Priority Pass | Yes | Yes |
Eligibility | ||
| Min. Income | ₹12.0L | ₹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: 50vsScore: 58
