ICICI Emeralde Private Metal vs SBI Card PRIME
Detailed comparison of these two popular credit cards
Winner
ICICI Emeralde Private Metal
ICICI Bank
Super PremiumVS
SBI Card PRIME
SBI Card
Mid-RangeAnnual Fee
₹12K vs ₹3K
Effective Rate
(cash value)
1.0% vs 0.5%
Lounge Access
Unlimited vs 2/quarter
Detailed Comparison
| Feature | ICICI Emeralde Private Metal | SBI Card PRIME |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹12K | ₹3K |
| Annual Fee | ₹12K | ₹3K |
| Fee Waiver | Spend ₹10L annually | Spend ₹3L annually |
| Forex Markup | 1.5% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1% | 0.5% |
Lounge Access | ||
| Domestic Lounges | Unlimited | 2/quarter |
| Priority Pass | Yes | Yes |
Eligibility | ||
| Min. Income | ₹42.0L | ₹6.0L |
ICICI Emeralde Private Metal is Best For
Ultra HNI customers
View ICICI Emeralde Private Metal DetailsSBI Card PRIME is Best For
Dining & grocery heavy spenders
Watch Out
- • Air insurance discontinued Jul 2025
- • Club ITC Silver added Sep 2025
Our Verdict
Based on overall features and value,
ICICI Emeralde Private Metal wins!
Score: 58vsScore: 32
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