Compare : Standard Chartered Ultimate Credit Card vs ICICI Emeralde Private Metal Credit Card

6,000 bonus reward points worth Rs. 6,000 on joining

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

5 reward points for every spend of Rs. 150

1 Reward Point = Rs. 1

5% cashback, up to Rs. 1,000, on all duty-free spends

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

1 lounge access per month via Priority Pass membership on spending Rs. 20,000 in the previous month

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

Reward rate of 3.33% across all spends including insurance and utilities

1:1 rewards redemption ratio

12 complimentary golf games in a year at leading golf courses in India

Welcome benefit compensates for the joining fee

Low forex mark-up fee of 2% on international spends

5% cashback on duty-free spends

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

Lounge access is spend-based

Capping on cashback earning

Limited lifestyle benefits

High annual fee of Rs. 12,499

Hotel benefits are limited to first year

Fuel transactions are excluded from the rewards program

People who are looking for a rewards credit card, frequently make duty-free purchases at airports, play golf and can make the most out of the Priority Pass membership

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