Card comparison
ICICI Bank Emeralde Private Metal Credit Card vs HDFC Bank Diners Club Privilege Credit Card
Compare fees, rewards, eligibility, lounge access, forex markup, and key benefits side by side.
| Features | ICICI 5234 7404 9912 4848 ICICI CARD 07/28 ICICI CARD 838 ICICI Bank Emeralde Private Metal Credit CardMastercard | HDFC 4532 7404 9912 4848 HDFC CARD 07/28 HDFC CARD 838 HDFC Bank Diners Club Privilege Credit CardDiners Club |
|---|---|---|
| Annual Fee | ₹12,499 | ₹2,500 |
| Joining Fee | ₹12,499 | ₹2,500 |
| Finance Charge | 3.75% /mo | 3.6% /mo |
| Forex Markup | Zero Forex | 3.5% |
| Base Reward Rate | 6 PAYBACK points per ₹100 (~1.5%), 12X on Taj | 4 Reward Points per ₹150 (10X on SmartBuy Fridays) |
| Domestic Lounge | 99/yr | Available |
| International Lounge | — | 12/yr |
| Welcome Benefit | Up to ₹12,499 | Up to ₹2,000 |
| Min Income | Invite-only. Minimum annual income: ₹12,00,000+. Age: 21–65. | ₹12,00,000/yr |
| Credit Score | 750+ | 750+ |