HSBC Taj Credit Card
Rs 1,10,000Annual fee
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited global airport lounge access, subject to programme terms
- Unlimited global airport lounge access, subject to programme terms
3.5%Forex markup
Best for
taj, hotels, dining, luxury, lounge
Top rewards
Taj, SeleQtions, Gateway, Vivanta, and amã Stays & Trails spends: 5 Reward Points / Rs 100 spent; Other eligible spends: 1.5 Reward Points / Rs 100 spent
ICICI Bank Emeralde Private Metal Credit Card
Rs 12,499Annual fee
Rs 10,00,000Fee waiver spend
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited domestic and international lounge access applies to both primary and add-on cardholders, with no spend-based criteria.
- Unlimited domestic and international lounge access applies to both primary and add-on cardholders, with no spend-based criteria.
- Complimentary Priority Pass membership for both the primary and Plus cardholder
- Comp Priority Pass is provided to primary and Plus cardholders; guest visits are charged at USD 27 plus GST.
2%Forex markup
Best for
luxury, travel, lounge, golf, low forex, movies
Top rewards
Hotels via iShop: 72 Reward Points / Rs 200 spent (12X); Flights via iShop: 36 Reward Points / Rs 200 spent (6X); Utility spends: 6 Reward Points / Rs 200 spent
| Feature | HSBC Taj Credit Card | ICICI Bank Emeralde Private Metal Credit Card |
|---|---|---|
| Issuer | HSBC Bank | ICICI Bank |
| Network | Visa | Visa |
| Joining fee | Rs 1,10,000 | Rs 12,499 |
| Annual fee | Rs 1,10,000 | Rs 12,499 |
| Fee waiver spend | - | Rs 10,00,000 |
| Reward type | reward points | reward points |
| Best for | taj, hotels, dining, luxury, lounge | luxury, travel, lounge, golf, low forex, movies |
| Top reward categories | Taj, SeleQtions, Gateway, Vivanta, and amã Stays & Trails spends: 5 Reward Points / Rs 100 spent; Other eligible spends: 1.5 Reward Points / Rs 100 spent | Hotels via iShop: 72 Reward Points / Rs 200 spent (12X); Flights via iShop: 36 Reward Points / Rs 200 spent (6X); Utility spends: 6 Reward Points / Rs 200 spent |
| SmartBuy / accelerated caps | Not listed | smartbuy hotels: daily 10,000 reward points, monthly 18,000 reward points; smartbuy flights: daily 10,000 reward points, monthly 18,000 reward points |
| Domestic lounge | Unlimited | Unlimited |
| International lounge | Unlimited | Unlimited |
| Forex markup | 3.5% | 2% |
| Milestone benefits | Not listed | EaseMyTrip air travel voucher worth Rs 3,000 on reaching Rs 4 lakh annual spend, Additional EaseMyTrip air travel voucher worth Rs 3,000 on reaching Rs 8 lakh annual spend |
| Redemption | Not listed | SmartBuy travel: upto Rs 1 per point; Air miles: upto Rs 1 per point; Statement credit: upto Rs 0.4 per point |
| Key exclusions | Fuel transactions, Rent payments, Wallet loading transactions, Educational spends, Government-related transactions, Insurance premium payments | fuel transactions, rent payments, government transactions and services, tax payments, e-wallet loading |