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

Complimentary memberships of Club Marriott, Amazon Prime and Swiggy One

NA

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

Unlimited airport lounge access for primary and add-on card members

Unlimited domestic and international airport lounge access

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

Complimentary annual memberships will be renewed only on spending Rs. 8 Lakh or more in a year

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

Low redemption value

High spend threshold for complimentary golf benefits

Birthday benefits limited to American Express cards

Limited redemption options/No miles conversion benefit

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