ICICI Emeralde Private Metal vs IDFC FIRST Select
Detailed comparison of these two popular credit cards
Winner
ICICI Emeralde Private Metal
ICICI Bank
Super PremiumVS
IDFC FIRST Select
IDFC FIRST Bank
Mid-RangeAnnual Fee
₹12K vs FREE
Effective Rate
(cash value)
1.0% vs 0.8%
Lounge Access
Unlimited vs 1/quarter (₹20K spend required from Apr 2026)
Detailed Comparison
| Feature | ICICI Emeralde Private Metal | IDFC FIRST Select |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹12K | FREE |
| Annual Fee | ₹12K | FREE |
| Fee Waiver | Spend ₹10L annually | None |
| Forex Markup | 1.5% | 1.99% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1% | 0.75% |
Lounge Access | ||
| Domestic Lounges | Unlimited | 1/quarter (₹20K spend required from Apr 2026) |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹42.0L | ₹12.0L |
ICICI Emeralde Private Metal is Best For
Ultra HNI customers
View ICICI Emeralde Private Metal DetailsIDFC FIRST Select is Best For
Best lifetime free card overall
Watch Out
- • Rewards reduced by 25% from 2026
- • Lounge access requires ₹20K spend from Apr 2026
Our Verdict
Based on overall features and value,
ICICI Emeralde Private Metal wins!
Score: 58vsScore: 41
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