Compare : HDFC Infinia Credit Card vs ICICI Bank Emeralde Credit Card

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

NA

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

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

Unlimited domestic and international airport lounge access

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

Unlimited lounge access

Inclusion of utility and insurance in rewards program

Low forex markup fee

Benefit on movie tickets via BookMyShow

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

Low redemption value

High spend threshold for complimentary golf benefits

Birthday benefits limited to American Express cards

Limited redemption options/No miles conversion benefit

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

People who already own a rewards credit card but want other premium benefits