HDFC Shoppers Stop Black vs ICICI Emeralde Private Metal
Detailed comparison of these two popular credit cards
HDFC Shoppers Stop Black
HDFC Bank
Mid-RangeVS
Winner
ICICI Emeralde Private Metal
ICICI Bank
Super PremiumAnnual Fee
₹5K vs ₹12K
Effective Rate
(cash value)
0.3% vs 1.0%
Lounge Access
None vs Unlimited
Detailed Comparison
| Feature | HDFC Shoppers Stop Black | ICICI Emeralde Private Metal |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹5K | ₹12K |
| Annual Fee | ₹5K | ₹12K |
| Fee Waiver | Spend ₹2L annually | Spend ₹10L annually |
| Forex Markup | - | 1.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.33% | 1% |
Lounge Access | ||
| Domestic Lounges | None | Unlimited |
| Priority Pass | - | Yes |
Eligibility | ||
| Min. Income | ₹4.8L | ₹42.0L |
HDFC Shoppers Stop Black is Best For
Shoppers Stop loyal customers
View HDFC Shoppers Stop Black DetailsICICI 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: 16vsScore: 58
Related Comparisons
HDFC Shoppers Stop Black vs HDFC Infinia Metal
HDFC Bank
HDFC Shoppers Stop Black vs HDFC Diners Club Black
HDFC Bank
HDFC Shoppers Stop Black vs HDFC Regalia Gold
HDFC Bank
HDFC Shoppers Stop Black vs HDFC Regalia
HDFC Bank
HDFC Shoppers Stop Black vs HDFC Millennia
HDFC Bank
HDFC Shoppers Stop Black vs HDFC Swiggy Credit Card
HDFC Bank