ICICI Emeralde Private Metal vs PNB RuPay Select
Detailed comparison of these two popular credit cards
Winner
ICICI Emeralde Private Metal
ICICI Bank
Super PremiumVS
PNB RuPay Select
Punjab National Bank
Mid-RangeAnnual Fee
₹12K vs ₹750
Effective Rate
(cash value)
1.0% vs 0.5%
Lounge Access
Unlimited vs 2/quarter
Detailed Comparison
| Feature | ICICI Emeralde Private Metal | PNB RuPay Select |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹12K | ₹500 |
| Annual Fee | ₹12K | ₹750 |
| Fee Waiver | Spend ₹10L annually | Use once per quarter |
| Forex Markup | 1.5% | 3.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1% | 0.47% |
Lounge Access | ||
| Domestic Lounges | Unlimited | 2/quarter |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹42.0L | ₹3.6L |
ICICI Emeralde Private Metal is Best For
Ultra HNI customers
View ICICI Emeralde Private Metal DetailsPNB RuPay Select is Best For
PSU bank customers wanting lounge access + insurance
Watch Out
- • Low reward rate compared to private bank cards
Our Verdict
Based on overall features and value,
ICICI Emeralde Private Metal wins!
Score: 58vsScore: 18
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