IDFC FIRST Wealth Credit Card
Rs 0Annual fee
8Domestic lounge
Domestic lounge conditions
- 2 complimentary domestic airport lounge visits per quarter, subject to a minimum spend of Rs 20,000 in the previous calendar month.
- 2 complimentary international airport lounge visits per quarter, subject to a minimum spend of Rs 20,000 in the previous calendar month.
1.5%Forex markup
Best for
lifetime free, lounge, golf, luxury, low forex
Top rewards
Other retail spends up to Rs 20,000: 3 Reward Points per INR 200 spent; Dining, Travel, International, Birthday, and incremental spends above Rs 20,000: 10 Reward Points per INR 200 spent; Utility, insurance, FASTag, and railway transactions: 1 Reward Point per INR 200 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 | IDFC FIRST Wealth Credit Card | ICICI Bank Emeralde Private Metal Credit Card |
|---|---|---|
| Issuer | IDFC FIRST Bank | ICICI Bank |
| Network | Visa, Mastercard | Visa |
| Joining fee | Rs 0 | Rs 12,499 |
| Annual fee | Rs 0 | Rs 12,499 |
| Fee waiver spend | - | Rs 10,00,000 |
| Reward type | reward points | reward points |
| Best for | lifetime free, lounge, golf, luxury, low forex | luxury, travel, lounge, golf, low forex, movies |
| Top reward categories | Other retail spends up to Rs 20,000: 3 Reward Points per INR 200 spent; Dining, Travel, International, Birthday, and incremental spends above Rs 20,000: 10 Reward Points per INR 200 spent; Utility, insurance, FASTag, and railway transactions: 1 Reward Point per INR 200 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 | 8 | Unlimited |
| International lounge | 8 | Unlimited |
| Forex markup | 1.5% | 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 | Statement credit: upto Rs 0.25 per point | 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, EMI transactions, Cash withdrawal / cash advance transactions | fuel transactions, rent payments, government transactions and services, tax payments, e-wallet loading |