Shortlist 2–4 cards
Side-by-side comparison of the HDFC Bank Infinia Metal Edition and the ICICI Bank Emeralde. Verify fees, lounge access, forex markup, and base rewards before you apply.
| Feature | Infinia Metal Edition | Emeralde |
|---|---|---|
| Annual fee | ₹12,500 Waivable at ₹10,00,000 spend | ₹12,000 Waivable at ₹10,00,000 spend |
| Forex fee | 2% | 2% |
| Domestic lounge | Unlimited | Unlimited |
Fees: Emeralde wins
Confidence: High
Forex: Tie
Confidence: Medium (verify with issuer)
Lounge: Tie
Confidence: High
Confidence: High
Start with the constraint you care about most: annual fee (HDFC Bank Infinia Metal Edition: ₹12,500 vs ICICI Bank Emeralde: ₹12,000), forex markup (2% vs 2%), or lounge access (Unlimited vs Unlimited).
Explore: HDFC Bank Infinia Metal Edition card page · ICICI Bank Emeralde card page · best credit cards in India
If this pair is close, these are the next useful side-by-side checks.
Confidence: High
Verify with issuer (opens in new tab)Confidence: High
Verify with issuer (opens in new tab)At ₹50k/month spend:
Illustrative only, using current base rates before caps.
| Infinia Metal Edition HDFC Bank | Emeralde ICICI Bank | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits | Unlimited | Unlimited |
| Forex / International Use | ||
| Forex markup | 2% | 2% |
| Fees | ||
| Annual fee ₹12,500 vs ₹12,000 | ₹12,500 | ₹12,000 |
| Joining fee ₹12,500 vs ₹12,000 | ₹12,500 | ₹12,000 |
| Fee waiver spend | ₹10,00,000 | ₹10,00,000 |
| Rewards | ||
| Reward points (base spend) 5 pts/₹150 vs 6 pts/₹100 | 5 pts/₹150 | 6 pts/₹100 |
| Point cash value ₹1 vs ₹0.25 | ₹1 | ₹0.25 |