ICICI Emeralde Private Metal vs Scapia Federal Credit Card
Detailed comparison of these two popular credit cards
ICICI Emeralde Private Metal
ICICI Bank
Super PremiumVS
Winner
Scapia Federal Credit Card
Federal Bank
Mid-RangeAnnual Fee
₹12K vs FREE
Effective Rate
(cash value)
1.0% vs 2.0%
Lounge Access
Unlimited vs Unlimited
Detailed Comparison
| Feature | ICICI Emeralde Private Metal | Scapia Federal Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹12K | FREE |
| Annual Fee | ₹12K | FREE |
| Fee Waiver | Spend ₹10L annually | None |
| Forex Markup | 1.5% | 0% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1% | 2% |
Lounge Access | ||
| Domestic Lounges | Unlimited | Unlimited |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹42.0L | ₹4.0L |
ICICI Emeralde Private Metal is Best For
Ultra HNI customers
View ICICI Emeralde Private Metal DetailsScapia Federal Credit Card is Best For
Best zero forex + zero fee travel card
Watch Out
- • No international lounge access
- • No rewards on international spends
Our Verdict
Based on overall features and value,
Scapia Federal Credit Card wins!
Score: 58vsScore: 73
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