ICICI Emeralde Private Credit Card vs Kotak Infinite Credit Card: super premium cards compared
ICICI Emeralde Private Credit Card costs ₹12,499 a year to keep; Kotak Infinite Credit Card costs ₹30,000. On most spends, ICICI Emeralde Private Credit Card returns about 3.00% and Kotak Infinite Credit Card about 2.00%. The income needed to apply is ₹36,00,000 a year for ICICI Emeralde Private Credit Card and ₹60,00,000 for Kotak Infinite Credit Card.
| ICICI Emeralde Private Credit Card | Kotak Infinite Credit Card | |
|---|---|---|
| Issuer | ICICI Bank | Kotak Mahindra Bank |
| Network | Visa|Mastercard | Visa |
| Joining fee | ₹12,499 | ₹30,000 |
| Annual fee | ₹12,499 | ₹30,000 |
| Base return on spends | 3.00% | 2.00% |
| Domestic lounges | Not stated | Not stated |
| International lounges | Not stated | Not stated |
| Minimum income | ₹36,00,000 a year | ₹60,00,000 a year |
| Best for | hotels, flights, travel, vouchers | travel, entertainment, dining |
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.
Full pages: ICICI Emeralde Private Credit Card · Kotak Infinite Credit Card · Find a card for your spending