ICICI Emeralde Private Metal vs Kotak Zen Signature
Detailed comparison of these two popular credit cards
Winner
ICICI Emeralde Private Metal
ICICI Bank
Super PremiumVS
Kotak Zen Signature
Kotak Mahindra Bank
Mid-RangeAnnual Fee
₹12K vs ₹2K
Effective Rate
(cash value)
1.0% vs 0.8%
Lounge Access
Unlimited vs 2/quarter (₹60K spend required for LTF variant)
Detailed Comparison
| Feature | ICICI Emeralde Private Metal | Kotak Zen Signature |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹12K | ₹2K |
| Annual Fee | ₹12K | ₹2K |
| Fee Waiver | Spend ₹10L annually | None (LTF variant requires ₹60K/quarter for lounge) |
| Forex Markup | 1.5% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1% | 0.83% |
Lounge Access | ||
| Domestic Lounges | Unlimited | 2/quarter (₹60K spend required for LTF variant) |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹42.0L | ₹4.8L |
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: 24
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