HSBC Premier Credit Card vs ICICI Emeralde Private Metal
Detailed comparison of these two popular credit cards
Winner
HSBC Premier Credit Card
HSBC India
Super PremiumVS
ICICI Emeralde Private Metal
ICICI Bank
Super PremiumAnnual Fee
₹20K vs ₹12K
Effective Rate
(cash value)
1.3% vs 1.0%
Lounge Access
Unlimited vs Unlimited
Detailed Comparison
| Feature | HSBC Premier Credit Card | ICICI Emeralde Private Metal |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹12K | ₹12K |
| Annual Fee | ₹20K | ₹12K |
| Fee Waiver | For HSBC Premier customers | Spend ₹10L annually |
| Forex Markup | 0.99% | 1.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1.33% | 1% |
Lounge Access | ||
| Domestic Lounges | Unlimited | Unlimited |
| Priority Pass | Yes | Yes |
Eligibility | ||
| Min. Income | ₹36.0L | ₹42.0L |
HSBC Premier Credit Card is Best For
HSBC Premier banking customers
View HSBC Premier Credit Card DetailsICICI Emeralde Private Metal is Best For
Ultra HNI customers
View ICICI Emeralde Private Metal DetailsOur Verdict
Based on overall features and value,
HSBC Premier Credit Card wins!
Score: 59vsScore: 58
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