ICICI Emeralde Private Metal vs IRCTC BOB RuPay Credit Card
Detailed comparison of these two popular credit cards
Winner
ICICI Emeralde Private Metal
ICICI Bank
Super PremiumVS
IRCTC BOB RuPay Credit Card
Bank of Baroda
Mid-RangeAnnual Fee
₹12K vs ₹350
Effective Rate
(cash value)
1.0% vs 0.5%
Lounge Access
Unlimited vs None
Detailed Comparison
| Feature | ICICI Emeralde Private Metal | IRCTC BOB RuPay Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹12K | ₹500 |
| Annual Fee | ₹12K | ₹350 |
| Fee Waiver | Spend ₹10L annually | Spend ₹50K annually |
| Forex Markup | 1.5% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1% | 0.5% |
Lounge Access | ||
| Domestic Lounges | Unlimited | None |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹42.0L | ₹3.0L |
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: 58vsScore: 19
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