Annual Fee
₹10,000
₹12,000
Joining Fee
₹10,000
₹12,000
Fee Waiver Spend
₹8,00,000
₹10,00,000
Forex Markup
2%
2%
Card Comparison
HDFC Diners Club Black Metal Edition vs ICICI Emeralde
HDFC Diners Club Black Metal Edition vs ICICI Emeraldecompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.
Fee₹10,000+GST
Eff. rate1.67%
Cap₹75,000
Fee
₹10,000+GST
Eff. rate
1.67%
Cap
₹75,000
Quick take
How they compare
HDFC Diners Club Black Metal Edition and ICICI Emeralde suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: 1.665% effective rate vs 1%. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.
At a glance
HDFC Diners Club Black Metal Edition
- Annual fee
- ₹10,000 + GST
- Everyday rate
- 1.7%
- Monthly cap
- ₹75,000/mo
Notable strengths
- Flat rewards on every spend
ICICI Emeralde
- Annual fee
- ₹12,000 + GST
- Everyday rate
- 1%
- Monthly cap
- No cap
Notable strengths
- No monthly reward cap
Each card's own strengths — not a ranking. Weigh them against where you actually spend.
49 specs · 13 sections
HDFC Bank Diners Club Black Metal Edition
ICICI Bank Emeralde
Feature
HDFC Bank Diners Club Black Metal Edition
ICICI Bank Emeralde
Reward Type
Reward Points
Reward Points
Base Rate
1.67%
1%
Effective Base Rate
1.67%
1%
Point Value
₹0.5
₹0.25
Redemption Quality
HIGH
MEDIUM
Best Redemption
₹1
₹0.35
Worst Redemption
₹0.3
₹0.15
Grocery / Supermarkets
1.67%
1%
Fuel / Petrol / Diesel / CNG
0% (Excluded)
1%
Restaurants / Dine-in
1.67%
1%
Flights, Hotels, OTAs, Tour Operators
1.67%
1%
Other Retail / Catch-all
1.67%
1%
Monthly Cap
₹75,000
No cap
Est. Annual Cap
₹9,00,000
No cap
Total Excluded
6 categories
0 categories
Fuel / Petrol / Diesel / CNG
Excluded
Earns rewards
Education / School / College Fees
Excluded
Earns rewards
Rent Payments
Excluded
Earns rewards
Government / Tax Payments
Excluded
Earns rewards
Domestic Visits/Year
-1
-1
International Visits/Year
-1
-1
Priority Pass
No
Yes
Est. Annual Value
₹10,230
₹10,230
Forex Markup
2%
2%
International Rate
No
Yes
Description
Complimentary annual memberships of Club Marriott, Amazon Prime and Swiggy One on achieving net retail spends of ₹1,50,000 within 90 days of card issuance (per MITC, all three are annual memberships).
—
Estimated Value
₹7,600
—
Fuel Surcharge Waiver
No
Yes
Best Suited For
Travel, Dining, Shopping
Movies, Travel, Shopping
Min Income
₹2,50,000/month
₹1,50,000/month
Income Proof
Required
Required
Secured FD
No
No
Accepting Applications
Yes
No
Network
Diners Club
Visa, Mastercard, American Express
Card Tier
Super Premium
Signature
Gaming platforms (Dream11, MPL, Rummy Culture, Junglee Games)
None
2% surcharge
Third-party wallet loads > ₹5,000
None
1% surcharge
Transport > ₹50,000
None
1% surcharge
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Frequently asked questions
- What are the annual fees for HDFC Bank Diners Club Black Metal Edition Credit Card and ICICI Bank Emeralde Credit Card?
- HDFC Bank Diners Club Black Metal Edition Credit Card has ₹10,000 + GST. ICICI Bank Emeralde Credit Card has ₹12,000 + GST. Fees are shown before 18% GST, which is added on the bill.
- What base reward rate does each card earn?
- HDFC Bank Diners Club Black Metal Edition Credit Card earns about 1.665% on general spends; ICICI Bank Emeralde Credit Card earns about 1%. Category and partner rates may differ — see the table above.
- What is the forex markup on each card?
- HDFC Bank Diners Club Black Metal Edition Credit Card: 2%. ICICI Bank Emeralde Credit Card: 2% (plus 18% GST on the markup).
- Do both cards include airport lounge access?
- HDFC Bank Diners Club Black Metal Edition Credit Card: yes — see the lounge row above for limits. ICICI Bank Emeralde Credit Card: yes — see the lounge row above for limits.
Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.
Sources: HDFC Bank - HDFC Diners Club Black Metal Edition · ICICI Bank - ICICI Emeralde