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Emeralde vs Times Black ICICI Bank – Full comparison
Both cards verified with issuer
Emeralde source Times Black ICICI Bank sourceAnnual fee structure is a key difference
Key differences
Best forex Times Black ICICI Bank 1.49%
Lowest fee Emeralde ₹12,000
Spend context
At ₹50k/month spend:
- Emeralde: ~₹750/month at base rate
- Times Black ICICI Bank: Base earn not clearly specified
Approximate, based on base rates (before caps).
| Emeralde ICICI | Times Black ICICI Bank ICICI | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits No difference | Unlimited | Unlimited |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 2% vs 1.49% | 2% | 1.49% |
| Fees | ||
| Annual fee ₹12,000 vs ₹20,000 | ₹12,000 | ₹20,000 |
| Joining fee ₹12,000 vs ₹20,000 | ₹12,000 | ₹20,000 |
| Fee waiver spend ₹10,00,000 vs ₹25,00,000 | ₹10,00,000 | ₹25,00,000 |
| Rewards | ||
| Points per ₹100 Only available for Emeralde | 6 pts | Check issuer |
| Point cash value Only available for Emeralde | ₹0.25 | Check issuer |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Related compare links
- Emeralde vs Sapphiro ICICI vs ICICI
- Emeralde vs Rubyx American Express ICICI vs ICICI
- Emeralde vs Coral ICICI vs ICICI
- Times Black ICICI Bank vs Sapphiro ICICI vs ICICI
- Times Black ICICI Bank vs Rubyx American Express ICICI vs ICICI
- Times Black ICICI Bank vs Coral ICICI vs ICICI
Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.