Which card has a lower forex fee: HDFC Infinia Credit Card or ICICI Emeralde Credit Card?

Both cards have the same forex markup (2%).

Which card has a lower annual fee: HDFC Infinia Credit Card or ICICI Emeralde Credit Card?

ICICI Emeralde Credit Card has a lower annual fee (₹12,000 vs ₹12,500).

Which card offers better lounge access?

HDFC Infinia Credit Card: Unlimited domestic lounge + Unlimited international. ICICI Emeralde Credit Card: Unlimited domestic lounge access.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

HDFC Bank Infinia vs ICICI Bank Emeralde Credit Cards – Fees, Lounge, Forex

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

Quick comparison

Three core metrics

Infinia HDFC Bank

Annual fee ₹12,500 Waivable at ₹10,00,000 spend
Forex markup 2%
Domestic lounge Not specified

Emeralde ICICI Bank

Annual fee ₹12,000 Waivable at ₹10,00,000 spend
Forex markup 2%
Domestic lounge Not specified

Reward earning explained

Per card

Infinia

5 pts / ₹150 · Up to 25 pts / ₹150 on Amazon through HDFC SmartBuy

Limited data

Emeralde

6 pts / ₹100

Limited data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Infinia: ₹12,500 vs ICICI Bank Emeralde: ₹12,000), forex markup (2% vs 2%), or lounge access (Not specified vs Not specified).

Travel Tie

Both cards are similar for travel

Forex markup is 2%.
Forex markup Tie

Both cards are similar for forex

Forex markup is 2%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is unlimited.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: HDFC Bank Infinia conservative base value ~1% per ₹100. ICICI Bank Emeralde is not safely INR-comparable (no usable point value).

Infinia: Limited data Emeralde: Limited data

HDFC Bank Infinia

Confidence: Low (limited information available)

Verify with issuer

ICICI Bank Emeralde

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Infinia: ~₹500/month at base rate
Emeralde: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Infinia HDFC Bank	Emeralde ICICI Bank
Lounge Access
Domestic lounge visits Missing for one or more cards	Not specified	Not specified
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
Interest-free period Up to 50 days vs Up to 48 days	Up to 50 days	Up to 48 days
Rewards
Base earn 5 pts / ₹150 vs 6 pts / ₹100	5 pts / ₹150	6 pts / ₹100
Conservative base value ~1% vs Not safely INR-comparable	~1%	Not safely INR-comparable
Point value (headline channel) Issuer headline rate at the travel/SmartBuy channel — not the lowest redemption option. Only available for Infinia	₹1	Not specified
Point validity Only available for Infinia	3 years	Not specified

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.