ICICI Emeralde vs HDFC Infinia Credit Card

Last Updated : April 8, 2024, 2:54 p.m.

Individuals of the elite class usually prefer credit cards having luxurious and high-standard lifestyle benefits. So, if you are looking for such a credit card, you might have come through the ICICI Emeralde and HDFC Credit Card because these cards have many luxurious benefits. But if you can’t afford both the cards together then you must compare the ICICI Emeralde vs HDFC Infinia Credit Card and then choose one. Therefore, we have compared every aspect of the cards in this article like their features, benefits, offers, lifestyle and luxury benefits, fees, charges, and the eligibility criteria. Before finalising any credit card between them; make sure you have compared both of them thoroughly.

Comparison of ICICI Emeralde Credit Card and HDFC Infinia Credit Card

We’ll get you through each reward, benefit and privilege comparison of these two credit cards. So pay attention to the points below:

Welcome Offer

• Pay a Rs. 12,500 joining fee and get Club Marriott membership for a year with HDFC Infinia
• Besides, there is a 12,500 reward points bonus on card activation
• No such welcome offer is there on ICICI Emeralde credit card

Reward Points

• 4 reward points for every Rs. 100 spent with ICICI Emeralde card
• And 1 reward point for utility payment and govt. Transactions
• Whereas HDFC Infinia gets you 5 reward points for Rs. 150 transaction and 10X for travel & shopping via SmartBuy

Fees and Other Charges of ICICI Emeralde and HDFC Infinia Credit Card

Now we’ll look at the fees and other charges of these two credit cards and see which one is more affordable in the long run.

• Joining/Renewal Fee – HDFC Infinia Rs. 12,500 and ICICI Emeralde Rs. 12,499.
• Finance Charge – HDFC Infinia 1.99% per month and ICICI Emeralde 3.40% per month.
• Foreign Currency Markup – 2% for HDFC Infinia and 1.5% for ICICI Emeralde.

Eligibility Criteria of Both Cards

Till now, we have compared the benefits and fees, it’s time we check which one of these credit cards has a relaxed eligibility criterion:

• HDFC Infinia is an invite-only card (an invitation will be sent to the eligible user via SMS or email)
• Only ICICI Bank Global Private Client customers can apply

Conclusion

You have seen all the major differences between the ICICI Emeralde vs HDFC Infinia Credit Card and now it will be easy for you to make a one-sided choice. But if you want to apply for the Infinia Credit Card then you will get the invitation from the bank. Both credit cards need a high income so make sure you fulfil the eligibility criteria before you apply for any credit card.