ICICI Emeralde Private Metal vs Standard Chartered Ultimate
Detailed comparison of these two popular credit cards
ICICI Emeralde Private Metal
ICICI Bank
Super PremiumVS
Winner
Standard Chartered Ultimate
Standard Chartered
Super PremiumAnnual Fee
₹12K vs ₹5K
Effective Rate
(cash value)
1.0% vs 3.3%
Lounge Access
Unlimited vs 4/quarter
Detailed Comparison
| Feature | ICICI Emeralde Private Metal | Standard Chartered Ultimate |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹12K | ₹5K |
| Annual Fee | ₹12K | ₹5K |
| Fee Waiver | Spend ₹10L annually | None |
| Forex Markup | 1.5% | 2% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1% | 3.33% |
Lounge Access | ||
| Domestic Lounges | Unlimited | 4/quarter |
| Priority Pass | Yes | Yes |
Eligibility | ||
| Min. Income | ₹42.0L | ₹24.0L |
ICICI Emeralde Private Metal is Best For
Ultra HNI customers
View ICICI Emeralde Private Metal DetailsStandard Chartered Ultimate is Best For
High reward rate including utilities/insurance
View Standard Chartered Ultimate DetailsOur Verdict
Based on overall features and value,
Standard Chartered Ultimate wins!
Score: 58vsScore: 65
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