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 / ₹200 spent (12X); Flights Via IShop: 36 Reward Points / ₹200 spent (6X); Utility Spends: 6 Reward Points / ₹200 spent
Times Black Credit Card
Rs 20,000Annual fee
Rs 25,00,000Fee waiver spend
UnlimitedDomestic lounge
Domestic lounge conditions
- Priority Pass is provided to both primary and Plus cardholders.
1.49%Forex markup
Best for
Luxury, Travel, Lounge, Low Forex, Premium
Top rewards
International Spends: 2.5 Reward Points / ₹100 spent; Utility, Insurance, Education & Government Spends: 2 Reward Points / ₹100 spent; Other Spends: 2 Reward Points / ₹100 spent
| Feature | Emeralde Private Metal Credit Card | Times Black Credit Card |
|---|---|---|
| Issuer | ICICI Bank | ICICI Bank |
| Network | Visa | Visa |
| Joining fee | Rs 12,499 | Rs 20,000 |
| Annual fee | Rs 12,499 | Rs 20,000 |
| Fee waiver spend | Rs 10,00,000 | Rs 25,00,000 |
| Reward type | Reward Points | ICICI Bank Reward Points |
| Best for | Luxury, Travel, Lounge, Golf, Low Forex, Movies | Luxury, Travel, Lounge, Low Forex, Premium |
| Top reward categories | Hotels Via IShop: 72 Reward Points / ₹200 spent (12X); Flights Via IShop: 36 Reward Points / ₹200 spent (6X); Utility Spends: 6 Reward Points / ₹200 spent | International Spends: 2.5 Reward Points / ₹100 spent; Utility, Insurance, Education & Government Spends: 2 Reward Points / ₹100 spent; Other Spends: 2 Reward Points / ₹100 spent |
| SmartBuy / accelerated caps | Hotels Via IShop: Daily 10,000 Reward Points, Monthly 18,000 Reward Points; Flights Via IShop: Daily 10,000 Reward Points, Monthly 18,000 Reward Points | Not Listed |
| Domestic lounge | Unlimited | Unlimited |
| International lounge | Unlimited | Unlimited |
| Forex markup | 2% | 1.49% |
| Milestone benefits | EaseMyTrip air travel voucher worth ₹3,000 on reaching ₹4 lakh annual spend, Additional EaseMyTrip air travel voucher worth ₹3,000 on reaching ₹8 lakh annual spend | Klook international experiences worth ₹10,000 on reaching ₹2 Lakh annual spend, WeWork day passes or airport transfers worth ₹10,000 on reaching ₹5 Lakh annual spend, Tata CLiQ Luxury Gift Card worth ₹10,000 on reaching ₹10 Lakh annual spend, One-night luxury stay at Ayatana or Lohono worth ₹20,000 on reaching ₹20 Lakh annual spend |
| Redemption | SmartBuy travel: upto ₹ 1 per point; Air miles: upto ₹ 1 per point; Statement credit: upto ₹ 0.4 per point | SmartBuy travel: upto ₹ 1 per point; Air miles: upto ₹ 1 per point; Statement credit: upto ₹ 0.4 per point |
| Key exclusions | fuel transactions, rent payments, government transactions and services, tax payments, e-wallet loading | fuel transactions, rent payments, EMI transactions |