ICICI Emeralde Private Metal vs Kotak Cashback+
Detailed comparison of these two popular credit cards
Winner
ICICI Emeralde Private Metal
ICICI Bank
Super PremiumVS
Kotak Cashback+
Kotak Mahindra Bank
Mid-Range*
Different Reward Types
Card 1 gives ⭐ Reward Points while Card 2 gives 💵 Cashback. We're showing effective cash values for fair comparison.
Annual Fee
₹12K vs ₹750
Effective Rate
(cash value)
1.0% vs 1.0%
Lounge Access
Unlimited vs None
Detailed Comparison
| Feature | ICICI Emeralde Private Metal | Kotak Cashback+ |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹12K | ₹750 |
| Annual Fee | ₹12K | ₹750 |
| Fee Waiver | Spend ₹10L annually | None |
| Forex Markup | 1.5% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | 💵Cashback |
| Effective Cash Value | 1% | 1% |
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 DetailsKotak Cashback+ is Best For
Grocery and food delivery spenders
Watch Out
- • ₹500/month cap on accelerated cashback too low for ₹750 annual fee
Our Verdict
Based on overall features and value,
ICICI Emeralde Private Metal wins!
Score: 58vsScore: 22
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