ICICI Emeralde Private Credit Card vs American Express Platinum Card: super premium cards compared
ICICI Emeralde Private Credit Card costs ₹12,499 a year to keep; American Express Platinum Card costs ₹66,000. On most spends, ICICI Emeralde Private Credit Card returns about 3.00% and American Express Platinum Card about 0.63%. The income needed to apply is ₹36,00,000 a year for ICICI Emeralde Private Credit Card and ₹15,00,000 for American Express Platinum Card.
| ICICI Emeralde Private Credit Card | American Express Platinum Card | |
|---|---|---|
| Issuer | ICICI Bank | American Express |
| Network | Visa|Mastercard | American Express |
| Joining fee | ₹12,499 | ₹66,000 |
| Annual fee | ₹12,499 | ₹66,000 |
| Base return on spends | 3.00% | 0.63% |
| Domestic lounges | Not stated | Unlimited |
| International lounges | Not stated | Unlimited |
| Minimum income | ₹36,00,000 a year | ₹15,00,000 a year |
| Best for | hotels, flights, travel, vouchers | travel, forex, hotels, flights |
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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