Compare HDFC Diners Club Black Metal Edition vs ICICI Bank Emeralde Credit Card

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	HDFC Diners Club Black Metal Edition	ICICI Bank Emeralde Credit Card
Best Suited for	✈️ Travel 💎 Premium 🎁 Rewards	✈️ Travel 💎 Premium 🎁 Rewards
Fee Details	Joining Fee: ₹10,000 Annual/Renewal Fee: ₹10,000 NA	Joining Fee: ₹12,000 Annual/Renewal Fee: ₹12,000 NA
Welcome Benefit	🎁 Complimentary memberships of Club Marriott, Amazon Prime and Swiggy One	NA
Reward/Cashback Rate	5 reward points for every Rs. 150 spent Up to 10X reward points on SmartBuy and 2X rewards on weekend dining 1 reward point = Rs. 1 for flight & hotel bookings at SmartBuy 1 reward point = Up to Rs. 0.50 against product catalogue 1 reward point = Rs. 0.30 for cashback redemption against statement balance	4 reward points for every Rs. 100 spent on retail transactions 1 reward point for every Rs. 100 spent on utilities and insurance categories Value of 1 reward point = Rs. 0.25
Lounge Access	Unlimited airport lounge access for primary and add-on card members	Unlimited domestic and international airport lounge access
Pros	3.33% value-back across all spending categories 1:1 reward redemption against some of the leading airlines and hotels Unlimited domestic and international lounge visits for primary and add-on user 6 complimentary golf games per quarter Multiple complimentary memberships Low forex mark-up fee of 2%	Unlimited lounge access Inclusion of utility and insurance in rewards program Low forex markup fee Benefit on movie tickets via BookMyShow
Cons	Though forex mark-up fee of 2% is lower than the general 3.5% charged on most cards, it could have been lower, considering the card’s premium status High annual fee of Rs. 10,000	Low redemption value High spend threshold for complimentary golf benefits Birthday benefits limited to American Express cards Limited redemption options/No miles conversion benefit
Who should get this card?	High spenders who put most of their travel-related and other spends on their card, and want an all rounder credit card	People who already own a rewards credit card but want other premium benefits