Indulge Credit Card
Rs 10,000Annual fee
24Domestic lounge
Domestic lounge conditions
- 6 complimentary domestic lounge visits per calendar quarter (effective July 2026 quarter onwards, requires minimum spend of ₹5,00,000 in the previous quarter to unlock access)
- 4 complimentary international lounge visits per calendar quarter via Priority Pass
1.8%Forex markup
Best for
Travel, Lounge, Golf, Luxury
Top rewards
Other Retail Spends: 1.5 reward points per ₹100; Utility, Insurance, Government, Education, Real Estate, And Rent Spends: 0.7 reward points per ₹100
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
| Feature | Indulge Credit Card | Emeralde Private Metal Credit Card |
|---|---|---|
| Issuer | IndusInd Bank | ICICI Bank |
| Network | Visa Infinite | Visa |
| Joining fee | Rs 75,000 | Rs 12,499 |
| Annual fee | Rs 10,000 | Rs 12,499 |
| Fee waiver spend | - | Rs 10,00,000 |
| Reward type | Reward Points | Reward Points |
| Best for | Travel, Lounge, Golf, Luxury | Luxury, Travel, Lounge, Golf, Low Forex, Movies |
| Top reward categories | Other Retail Spends: 1.5 reward points per ₹100; Utility, Insurance, Government, Education, Real Estate, And Rent Spends: 0.7 reward points per ₹100 | 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 |
| SmartBuy / accelerated caps | Not Listed | 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 |
| Domestic lounge | 24 | Unlimited |
| International lounge | 16 | Unlimited |
| Forex markup | 1.8% | 2% |
| Milestone benefits | Luxury welcome benefits at fee payment, High-touch concierge and premium travel programme | 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 |
| Redemption | Air miles: upto ₹ 0.5 per point; Statement credit: upto ₹ 0.7 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, Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges) | fuel transactions, rent payments, government transactions and services, tax payments, e-wallet loading |