ICICI Emeralde Private Metal vs Standard Chartered Smart
Detailed comparison of these two popular credit cards
Winner
ICICI Emeralde Private Metal
ICICI Bank
Super PremiumVS
Standard Chartered Smart
Standard Chartered
Entry*
Different Reward Types
Card 1 gives ⭐ Reward Points while Card 2 gives 💵 Cashback. We're showing effective cash values for fair comparison.
Annual Fee
₹12K vs ₹499
Effective Rate
(cash value)
1.0% vs 1.0%
Lounge Access
Unlimited vs None
Detailed Comparison
| Feature | ICICI Emeralde Private Metal | Standard Chartered Smart |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹12K | ₹499 |
| Annual Fee | ₹12K | ₹499 |
| Fee Waiver | Spend ₹10L annually | Spend ₹1.2L annually |
| Forex Markup | 1.5% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | 💵Cashback |
| Effective Cash Value | 1% | 1% |
Lounge Access | ||
| Domestic Lounges | Unlimited | None |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹42.0L | ₹3.0L |
ICICI Emeralde Private Metal is Best For
Ultra HNI customers
View ICICI Emeralde Private Metal DetailsStandard Chartered Smart is Best For
Simple online cashback seekers
Watch Out
- • Min ₹2500 for redemption
- • May be discontinued
Our Verdict
Based on overall features and value,
ICICI Emeralde Private Metal wins!
Score: 58vsScore: 23
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