Which card has a lower forex fee: Axis Bank Burgundy Private Credit Card or ICICI Emeralde Credit Card?

Axis Bank Burgundy Private Credit Card has lower forex markup (0% vs 2%).

Which card has a lower annual fee: Axis Bank Burgundy Private Credit Card or ICICI Emeralde Credit Card?

ICICI Emeralde Credit Card has a lower annual fee (₹12,000 vs ₹50,000).

Which card offers better lounge access?

Axis Bank Burgundy Private Credit Card: Unlimited domestic lounge. ICICI Emeralde Credit Card: Unlimited domestic lounge.

Which card has a higher base reward rate?

Both cards have similar base reward value (~1.5%).

Pairwise comparison Add another card →

Axis Bank Burgundy Private vs ICICI Bank Emeralde Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank Burgundy Private and the ICICI Bank Emeralde. Verify fees, lounge access, forex markup, and base rewards before you apply.

Travel Axis Bank Burgundy Private Forex Axis Bank Burgundy Private Low fee ICICI Bank Emeralde

Quick comparison

Three core metrics

Burgundy Private Axis Bank

Annual fee ₹50,000
Forex markup 0%
Domestic lounge Unlimited

Emeralde ICICI Bank

Annual fee ₹12,000 Waivable at ₹10,00,000 spend
Forex markup 2%
Domestic lounge Unlimited

Reward earning explained

Per card

Burgundy Private

7.5 pts / ₹100 on General spend

Limited data

Emeralde

6 pts / ₹100 on General spend

Limited data

Pick based on what matters

6 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Burgundy Private: ₹50,000 vs ICICI Bank Emeralde: ₹12,000), forex markup (0% vs 2%), or lounge access (Unlimited vs Unlimited).

Travel Axis Bank Burgundy Private wins

Axis Bank Burgundy Private is better for travel

Axis Bank Burgundy Private is stronger here. Forex markup is 0%.

Burgundy Private: Limited data Emeralde: Limited data
Forex markup Axis Bank Burgundy Private wins

Axis Bank Burgundy Private is better for forex

Axis Bank Burgundy Private is stronger here. Forex markup is 0%.

Burgundy Private: Limited data Emeralde: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is unlimited.
Rewards Tie

Both cards are similar for rewards

Estimated base reward value is ~1.5% on base spend.

Burgundy Private: Limited data Emeralde: Limited data
Annual fee ICICI Bank Emeralde wins

ICICI Bank Emeralde is better for fees

ICICI Bank Emeralde is stronger here. ICICI Bank Emeralde has a lower annual fee (₹12,000 vs ₹50,000).

Burgundy Private: Limited data Emeralde: Limited data
upi Tie

Both cards are similar for UPI usage

Mastercard network does not support UPI payments. Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Burgundy Private: ~₹750/month at base rate
Emeralde: ~₹750/month at base rate

Illustrative only, using current base rates before caps.

Field	Burgundy Private Axis Bank	Emeralde ICICI Bank
Lounge Access
Domestic lounge visits	Unlimited	Unlimited
Forex / International Use
Forex markup Source agreement differs — verify both. 0% vs 2%	0%	2%
Fees
Annual fee ₹50,000 vs ₹12,000	₹50,000	₹12,000
Joining fee ₹50,000 vs ₹12,000	₹50,000	₹12,000
Fee waiver spend Only available for Emeralde	Not specified	₹10,00,000
Rewards
Points per ₹100 7.5 pts vs 6 pts	7.5 pts	6 pts
Point cash value ₹0.2 vs ₹0.25	₹0.2	₹0.25

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.