ICICI Emeralde Private Metal vs Kotak 811 Credit Card
Detailed comparison of these two popular credit cards
Winner
ICICI Emeralde Private Metal
ICICI Bank
Super PremiumVS
Kotak 811 Credit Card
Kotak Mahindra Bank
EntryAnnual Fee
₹12K vs ₹500
Effective Rate
(cash value)
1.0% vs 0.2%
Lounge Access
Unlimited vs None
Detailed Comparison
| Feature | ICICI Emeralde Private Metal | Kotak 811 Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹12K | ₹0 |
| Annual Fee | ₹12K | ₹500 |
| Fee Waiver | Spend ₹10L annually | Spend ₹50K annually |
| Forex Markup | 1.5% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1% | 0.2% |
Lounge Access | ||
| Domestic Lounges | Unlimited | None |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹42.0L | ₹1.8L |
ICICI Emeralde Private Metal is Best For
Ultra HNI customers
View ICICI Emeralde Private Metal DetailsKotak 811 Credit Card is Best For
Entry-level card for Kotak customers
Watch Out
- • Reward point value reduced from ₹0.25 to ₹0.10 in Jun 2025
Our Verdict
Based on overall features and value,
ICICI Emeralde Private Metal wins!
Score: 58vsScore: 14
Related Comparisons
ICICI Emeralde Private Metal vs HDFC Infinia Metal
HDFC Bank
ICICI Emeralde Private Metal vs HDFC Diners Club Black
HDFC Bank
ICICI Emeralde Private Metal vs HDFC Tata Neu Plus
HDFC Bank
ICICI Emeralde Private Metal vs HDFC MoneyBack Plus
HDFC Bank
ICICI Emeralde Private Metal vs ICICI Sapphiro
ICICI Bank
ICICI Emeralde Private Metal vs Amazon Pay ICICI Credit Card
ICICI Bank