ICICI Emeralde Private Metal vs Kotak White Reserve
Detailed comparison of these two popular credit cards
ICICI Emeralde Private Metal
ICICI Bank
Super PremiumVS
Winner
Kotak White Reserve
Kotak Mahindra Bank
Super PremiumAnnual Fee
₹12K vs ₹13K
Effective Rate
(cash value)
1.0% vs 2.5%
Lounge Access
Unlimited vs Unlimited
Detailed Comparison
| Feature | ICICI Emeralde Private Metal | Kotak White Reserve |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹12K | ₹13K |
| Annual Fee | ₹12K | ₹13K |
| Fee Waiver | Spend ₹10L annually | Spend ₹10L annually |
| Forex Markup | 1.5% | 2% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1% | 2.5% |
Lounge Access | ||
| Domestic Lounges | Unlimited | Unlimited |
| Priority Pass | Yes | Yes |
Eligibility | ||
| Min. Income | ₹42.0L | ₹36.0L |
ICICI Emeralde Private Metal is Best For
Ultra HNI customers
View ICICI Emeralde Private Metal DetailsKotak White Reserve is Best For
Ultra-premium lifestyle with unlimited lounges
View Kotak White Reserve DetailsOur Verdict
Based on overall features and value,
Kotak White Reserve wins!
Score: 58vsScore: 73
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