HDFC Infinia vs ICICI Emeralde: Which Card Suits You?

• ✈️ Travel
• 💎 Premium
• ⭐ Invite Only

• ✈️ Travel
• 💎 Premium
• ⭐ Invite Only

Annual/Renewal Fee: ₹12,499

Reversed on spending Rs. 10 lakh in a year

Annual/Renewal Fee: ₹12,500

NA

• 🎁 Complimentary Taj Epicure membership, accompanied by complimentary night stays, 25% off on F&B, 20% off on Qmin app orders, hotel spa & salon usage & more
• 12,500 bonus reward points on card activation after the payment of joining fee

• 🎁 Complimentary Club Marriott membership for a year (with up to 20% off on dining and stays across Asia-Pacific region)
• Bonus 12,500 reward points upon fee payment

• 6 ICICI reward points on every Rs. 200 spent, including grocery, education, utilities, and insurance payments
• Spends made on tax, fuel, and rent payments will not accrue any reward points
• Capping on rewards earned on insurance is 5,000 rewards in a month
• Capping on rewards earned on grocery, utility & educational transactions is 1,000 rewards in a month per category
• 1 ICICI Reward Point = Re. 1

• 5 reward points on every Rs. 150 spent, including insurance, utilities and education
• 10x reward points on travel and shopping spends on Smartbuy
• 1 reward point = Rs. 1 for flight & hotel bookings, Apple products and Tanishq vouchers via Smartbuy
• 1 reward point = 1 air mile
• 1 reward point = Rs. 0.30 for cashback redemption & up to Rs. 0.50 across product catalogue

• Unlimited domestic lounge access & unlimited international lounge access with Priority Pass membership

• Unlimited complimentary lounge access across 1,000+ airport lounges within and outside India

• Unlimited domestic as well as international lounge access
• Low forex markup fee of 2%
• Unlimited golf games or lessons every year
• Vouchers worth Rs. 6,000 as Milestone Benefit

• 3.33% value-back across all spending categories, including insurance, utilities and education
• Unlimited domestic and international lounge access for primary and add-on users
• Unlimited complimentary golf games at select golf courses of India and abroad
• Stay and dining benefits at participating ITC hotels
• Flat 15% discount on dining via Swiggy Dineout

• High annual fee of Rs. 12,499
• Hotel benefits are limited to first year
• Fuel transactions are excluded from the rewards program

• Forex mark-up fee could have been lower as several premium and mid-range cards charge lower fee
• Complimentary Club Marriott membership is limited to the first year

• High spenders looking for a premium credit card offering benefits across multiple categories

• This invite-only card is suitable for high spenders who put most of their shopping and travel spends on their credit card