Compare : HDFC Bank Biz Black Credit Card vs Emirates Skywards ICICI Bank Emeralde Credit Card

Club Marriott Annual Membership with benefits on stay, dining and spa

Taj Stay voucher worth Rs. 5,000

Complimentary Emirates Silver Tier Membership

10,000 Skywards Miles on the payment of joining fee

5 Reward Points per Rs. 150 spent on business expenses

5X Reward Points on your select Business spends such as utility bill payment, tax payment, business tools purchase, etc.

1 reward point = Rs. 1 on redeeming against flight and hotel bookings via SmartBuy

2.5 Skywards Miles on every Rs. 100 spent

1 Skywards Mile on every Rs. 100 spent on insurance & utility

Unlimited domestic and international lounge access

Unlimited complimentary domestic & international lounge visits

Up to 5X Reward Points on card spends, including business expenses

Extensive travel benefits like unlimited lounge access, accelerated rewards, discount offers and vouchers

Lifestyle benefits like dining discounts, golf access and rewards and discounts on popular brands/platforms

Rewards redemption ratio of up to 1:1 for travel-related redemption options

Complimentary Skywards Miles Membership (Silver Tier, with an option to upgrade to Gold Tier)

Up to 2.5% reward earning rate across all spends

Redeem Skywards Miles for flight upgrades & award flights

Unlimited domestic & international lounge access

Discounts on movie ticket bookings via BookMyShow

Spend-based condition on rewards on business spends and capping on monthly rewards earnings

Low redemption value of reward points if redeemed against non-travel options

High forex markup fee of 3.5%

Low reward rate on utility & insurance spends

High annual fee of Rs. 10,000

No option for an annual fee waiver

Self-employed individuals who wish to save on business expenses

Frequent Emirates flyers who want to earn Skywards Miles on their spends