Card comparison
ICICI Bank Emeralde 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 6170 3260 4040 ICICI CARD 06/27 ICICI CARD 715 ICICI Bank Emeralde Credit CardVisa | HDFC 4532 7404 9912 4848 HDFC CARD 07/28 HDFC CARD 838 HDFC Bank Diners Club Privilege Credit CardDiners Club |
|---|---|---|
| Annual Fee | ₹12,000 | ₹2,500 |
| Joining Fee | ₹12,000 | ₹2,500 |
| Finance Charge | 3.75% /mo | 3.6% /mo |
| Forex Markup | Zero Forex | 3.5% |
| Base Reward Rate | 4 PAYBACK points per ₹100 (~1% effective reward rate) | 4 Reward Points per ₹150 (10X on SmartBuy Fridays) |
| Domestic Lounge | Available | Available |
| International Lounge | 4/yr | 12/yr |
| Welcome Benefit | Up to ₹12,000 | Up to ₹2,000 |
| Min Income | ₹12,00,000/yr | ₹12,00,000/yr |
| Credit Score | 750+ | 750+ |