Standard Chartered Ultimate Credit Card
Rs 5,000Annual fee
16Domestic lounge
Domestic lounge conditions
- 4 complimentary domestic lounge visits per calendar quarter
- 1 complimentary international lounge visit per month via Priority Pass, subject to a minimum spend of Rs 20,000 in the previous calendar month.
2%Forex markup
Best for
travel, lounge, golf, duty free
Top rewards
General retail spends (excl. fuel and capped categories): 5 reward points / Rs 150 spent; Utility, supermarket, insurance, rent, school fees, and government spends: 3 reward points / Rs 150 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 | Standard Chartered Ultimate Credit Card | ICICI Bank Emeralde Private Metal Credit Card |
|---|---|---|
| Issuer | Standard Chartered | ICICI Bank |
| Network | Mastercard | Visa |
| Joining fee | Rs 5,000 | Rs 12,499 |
| Annual fee | Rs 5,000 | Rs 12,499 |
| Fee waiver spend | - | Rs 10,00,000 |
| Reward type | 360° Rewards points | reward points |
| Best for | travel, lounge, golf, duty free | luxury, travel, lounge, golf, low forex, movies |
| Top reward categories | General retail spends (excl. fuel and capped categories): 5 reward points / Rs 150 spent; Utility, supermarket, insurance, rent, school fees, and government spends: 3 reward points / Rs 150 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 | 16 | Unlimited |
| International lounge | 12 | Unlimited |
| Forex markup | 2% | 2% |
| Milestone benefits | 6,000 reward points on payment of joining fee | 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, 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 |