What are the annual fees for HDFC Bank INFINIA Metal Credit Card and ICICI Bank Emeralde Credit Card?

HDFC Bank INFINIA Metal Credit Card has ₹12,500 + 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 INFINIA Metal 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 INFINIA Metal Credit Card: 2%. ICICI Bank Emeralde Credit Card: 2% (plus 18% GST on the markup).

Do both cards include airport lounge access?

HDFC Bank INFINIA Metal Credit Card: yes — see the lounge row above for limits. ICICI Bank Emeralde Credit Card: yes — see the lounge row above for limits.

Card Comparison

HDFC INFINIA Metal vs ICICI Emeralde

HDFC INFINIA Metal vs ICICI Emeraldecompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

HDFC Bank INFINIA Metal

HDFC Bank

Fee₹12,500+GST

Eff. rate1.67%

Cap₹2,00,000

Fee

₹12,500+GST

Eff. rate

1.67%

Cap

₹2,00,000

ICICI Bank Emeralde

ICICI Bank

Fee₹12,000+GST

Eff. rate1%

CapNone

Fee

₹12,000+GST

Eff. rate

Cap

None

Quick take

How they compare

HDFC INFINIA Metal 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 INFINIA Metal

Annual fee: ₹12,500 + GST
Everyday rate: 1.7%
Monthly cap: ₹2,00,000/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.

48 specs · 14 sections

HDFC Bank INFINIA Metal

ICICI Bank Emeralde

Feature

HDFC Bank INFINIA Metal

ICICI Bank Emeralde

Annual Fee

₹12,500

₹12,000

Joining Fee

₹12,500

₹12,000

Fee Waiver Spend

₹10,00,000

Forex Markup

Reward Type

Reward Points

Base Rate

1.67%

Effective Base Rate

1.67%

Point Value

₹0.5

₹0.25

Redemption Quality

HIGH

MEDIUM

Best Redemption

₹1

₹0.35

Worst Redemption

₹0.3

₹0.15

Marriott

20%

—

Grocery / Supermarkets

1.67%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

1.67%

Flights, Hotels, OTAs, Tour Operators

33%

Other Retail / Catch-all

1.67%

Monthly Cap

₹2,00,000

No cap

Est. Annual Cap

₹24,00,000

No cap

Total Excluded

4 categories

0 categories

Fuel / Petrol / Diesel / CNG

Excluded

Earns rewards

Rent Payments

Excluded

Earns rewards

Wallet / Prepaid Instrument Loading

Excluded

Earns rewards

EMI Transactions

Excluded

Earns rewards

Domestic Visits/Year

-1

International Visits/Year

-1

Priority Pass

Yes

Est. Annual Value

₹10,230

Forex Markup

International Rate

Yes

Description

12,500 Reward Points on fee realisation and card activation, plus complimentary Club Marriott membership for first year

—

Estimated Value

₹5,000

—

Fuel Surcharge Waiver

Yes

Best Suited For

Travel, Dining, Shopping

Movies, Travel, Shopping

Min Income

Not specified

₹1,50,000/month

Income Proof

Not required

Required

Secured FD

Accepting Applications

Network

Visa

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

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for HDFC Bank INFINIA Metal Credit Card and ICICI Bank Emeralde Credit Card?: HDFC Bank INFINIA Metal Credit Card has ₹12,500 + 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 INFINIA Metal 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 INFINIA Metal Credit Card: 2%. ICICI Bank Emeralde Credit Card: 2% (plus 18% GST on the markup).
Do both cards include airport lounge access?: HDFC Bank INFINIA Metal 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 INFINIA Metal · ICICI Bank - ICICI Emeralde