What are the annual fees for ICICI Bank Emeralde Credit Card and EazyDiner IndusInd Bank Credit Card?

ICICI Bank Emeralde Credit Card has ₹12,000 + GST. EazyDiner IndusInd Bank Credit Card has ₹2,999 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

ICICI Bank Emeralde Credit Card earns about 1% on general spends; EazyDiner IndusInd Bank Credit Card earns about 0.4%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

ICICI Bank Emeralde Credit Card: 2%. EazyDiner IndusInd Bank Credit Card: 3.5% (plus 18% GST on the markup).

Do both cards include airport lounge access?

ICICI Bank Emeralde Credit Card: yes — see the lounge row above for limits. EazyDiner IndusInd Bank Credit Card: none specified.

Card Comparison

ICICI Emeralde vs EazyDiner IndusInd

ICICI Emeralde vs EazyDiner IndusIndcompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

ICICI Bank Emeralde

ICICI Bank

Fee₹12,000+GST

Eff. rate1%

CapNone

Fee

₹12,000+GST

Eff. rate

Cap

None

EazyDiner IndusInd Bank

IndusInd Bank

Fee₹2,999+GST

Eff. rate0.4%

CapNone

Fee

₹2,999+GST

Eff. rate

0.4%

Cap

None

Quick take

How they compare

ICICI Emeralde and EazyDiner IndusInd suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: 1% effective rate vs 0.4%. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

ICICI Emeralde

Annual fee: ₹12,000 + GST
Everyday rate: 1%
Monthly cap: No cap

Notable strengths

No monthly reward cap

EazyDiner IndusInd

Annual fee: ₹2,999 + GST
Everyday rate: 0.4%
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.

43 specs · 13 sections

ICICI Bank Emeralde

EazyDiner IndusInd Bank

Feature

ICICI Bank Emeralde

EazyDiner IndusInd Bank

Annual Fee

₹12,000

₹2,999

Joining Fee

₹12,000

₹2,999

Fee Waiver Spend

₹10,00,000

N/A

Forex Markup

3.5%

Reward Type

Reward Points

Base Rate

0.4%

Effective Base Rate

0.4%

Point Value

₹0.25

₹0.1

Redemption Quality

MEDIUM

LOW

Best Redemption

₹0.35

₹0.1

Worst Redemption

₹0.15

₹0.1

Grocery / Supermarkets

0.4%

Fuel / Petrol / Diesel / CNG

0.4%

Restaurants / Dine-in

0.4%

Flights, Hotels, OTAs, Tour Operators

0.4%

Other Retail / Catch-all

0.4%

Monthly Cap

No cap

Est. Annual Cap

No cap

Total Excluded

0 categories

Domestic Visits/Year

-1

None

International Visits/Year

-1

None

Priority Pass

Yes

Est. Annual Value

₹10,230

—

Forex Markup

3.5%

International Rate

Yes

Description

—

2,000 Bonus EazyPoints, Complimentary Membership of EazyDiner Prime, and Postcard Hotel Stay Voucher Worth Rs.7,500

Estimated Value

—

₹7,500

Fuel Surcharge Waiver

Yes

Best Suited For

Movies, Travel, Shopping

Dining, Food

Min Income

₹1,50,000/month

Not specified

Income Proof

Required

Secured FD

Accepting Applications

Yes

Network

Visa, Mastercard, American Express

Visa

Card Tier

Signature

Gaming platforms (Dream11, MPL, Rummy Culture, Junglee Games)

2% surcharge

None

Third-party wallet loads > ₹5,000

1% surcharge

None

Transport > ₹50,000

1% surcharge

None

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for ICICI Bank Emeralde Credit Card and EazyDiner IndusInd Bank Credit Card?: ICICI Bank Emeralde Credit Card has ₹12,000 + GST. EazyDiner IndusInd Bank Credit Card has ₹2,999 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: ICICI Bank Emeralde Credit Card earns about 1% on general spends; EazyDiner IndusInd Bank Credit Card earns about 0.4%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: ICICI Bank Emeralde Credit Card: 2%. EazyDiner IndusInd Bank Credit Card: 3.5% (plus 18% GST on the markup).
Do both cards include airport lounge access?: ICICI Bank Emeralde Credit Card: yes — see the lounge row above for limits. EazyDiner IndusInd Bank Credit Card: none specified.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: ICICI Bank - ICICI Emeralde · IndusInd Bank - EazyDiner IndusInd