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SimplifyCards take: Top 7 picks for this query.
Optimized for premier and travel, featuring low 0.99% forex markup and unlimited airport lounge access.
Optimized for luxury and travel, featuring low 2% 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.
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Spend level changes whether premium cards are worth the fee.
Optimized for premium travel and lounge, featuring low 2% forex markup and unlimited airport lounge access.
A versatile travel companion featuring a low 1.75% forex markup, complimentary lounge access, and instant points transfers to airline and hotel partners.
| Feature | HSBC Premier Credit Card | ICICI Bank Emeralde Private Metal Credit Card | HDFC Bank Infinia Metal Edition Credit Card |
|---|---|---|---|
| Best for | premier, travel, lounge | luxury, travel, lounge | premium travel, lounge, smartbuy |
| Reward rates | 6% - Base reward rate upto 72% - accelerated reward rate *considering using accor redemption | 3% - Base reward rate upto 36% - accelerated reward rate | 3.3% - Base reward rate upto 33.3% - accelerated reward rate *considering using accor redemption |
| Annual fee | Rs 20,000 | Rs 12,499 | Rs 12,500 |
| 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% |