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Matching your question with relevant cards and trade-offs.
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Ranked by how well they match the query, not by commission.
SimplifyCards take: Top 5 picks for this query.
Optimized for premier and travel, featuring low 0.99% forex markup and unlimited airport lounge access.
Super-premium card offering 5X rewards (up to 33.3% value) on SmartBuy flight/hotel bookings, unlimited lounge access, and premium golf privileges.
Optimized for luxury and travel, featuring low 2% forex markup and unlimited airport lounge access.
Pick one so SimplifyCards can rank more accurately.
Spend level changes whether premium cards are worth the fee.
| Feature | HSBC Premier Credit Card | HDFC Bank Infinia Metal Edition Credit Card | ICICI Bank Emeralde Private Metal Credit Card |
|---|---|---|---|
| Best for | premier, travel, lounge | premium travel, lounge, smartbuy | luxury, travel, lounge |
| Reward rates | 6% - Base reward rate upto 72% - accelerated reward rate *considering using accor redemption | 3.3% - Base reward rate upto 33.3% - accelerated reward rate *considering using accor redemption | 3% - Base reward rate upto 36% - accelerated reward rate |
| Annual fee | Rs 20,000 | Rs 12,500 | Rs 12,499 |
| Fee waiver spend | - | Rs 10 lakhs | Rs 10 lakhs |
| Domestic lounge | Unlimited | Unlimited | Unlimited |
| International lounge | Unlimited | Unlimited | Unlimited |
| Forex markup | 0.99% | 2% | 2% |