HDFC BizBlack Metal Card vs ICICI Emeralde Private Credit Card: super premium cards compared
HDFC BizBlack Metal Card costs ₹10,000 a year to keep; ICICI Emeralde Private Credit Card costs ₹12,499. On most spends, HDFC BizBlack Metal Card returns about 3.33% and ICICI Emeralde Private Credit Card about 3.00%. The income needed to apply is ₹21,00,000 a year for HDFC BizBlack Metal Card and ₹36,00,000 for ICICI Emeralde Private Credit Card.
| HDFC BizBlack Metal Card | ICICI Emeralde Private Credit Card | |
|---|---|---|
| Issuer | HDFC Bank | ICICI Bank |
| Network | Diners Club | Visa|Mastercard |
| Joining fee | ₹10,000 | ₹12,499 |
| Annual fee | ₹10,000 | ₹12,499 |
| Base return on spends | 3.33% | 3.00% |
| Domestic lounges | Not stated | Not stated |
| International lounges | Not stated | Not stated |
| Minimum income | ₹21,00,000 a year | ₹36,00,000 a year |
| Best for | government, utilities, travel, telecom | hotels, flights, travel, vouchers |
How to read this
Fees, lounge access and eligibility come from each issuer's own documents. The base return is what most everyday spends earn after converting points to rupees, before category bonuses and caps. Qrates takes no commission from any issuer.
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