ICICI Emeralde Private Metal vs Kiwi RuPay Credit Card
Detailed comparison of these two popular credit cards
Winner
ICICI Emeralde Private Metal
ICICI Bank
Super PremiumVS
Kiwi RuPay Credit Card
Yes Bank
EntryAnnual Fee
₹12K vs FREE
Effective Rate
(cash value)
1.0% vs 0.4%
Lounge Access
Unlimited vs 3/year with Neon
Detailed Comparison
| Feature | ICICI Emeralde Private Metal | Kiwi RuPay Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹12K | FREE |
| Annual Fee | ₹12K | FREE |
| Fee Waiver | Spend ₹10L annually | None |
| Forex Markup | 1.5% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1% | 0.375% |
Lounge Access | ||
| Domestic Lounges | Unlimited | 3/year with Neon |
| 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 DetailsKiwi RuPay Credit Card is Best For
Heavy UPI users (₹1.5L+/month)
Watch Out
- • Virtual card only initially
Our Verdict
Based on overall features and value,
ICICI Emeralde Private Metal wins!
Score: 58vsScore: 36
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