ICICI Emeralde vs HDFC Infinia Credit Card

Last Updated : March 6, 2025, 3:24 p.m.

ICICI Bank and HDFC Bank are two of India’s most popular credit card issuers. They offer a wide range of credit cards across a wide range of categories. The Infinia credit card and Emeralde credit card are the most luxurious offerings by HDFC Bank and ICICI Bank respectively. Both these cards are curated for high net worth individuals and offer various benefits. Let us now compare both these credit cards with respect to different aspects like features, benefits, offers, lifestyle, premium benefits, fees, and eligibility criteria in ICICI Emeralde Credit Card vs HDFC Infinia Credit Card .

Before finalizing any credit card, ensure to have them compared thoroughly. Also,check your eligibility criteria before applying for the card in order to ensure approval. The credit score is one of the most important eligibility criteria for most credit cards. Do a CIBIL score check for free on Wishfin. Also, view your detailed CIBIL report.

ICICI Emeralde vs HDFC Infinia Credit Card - Comparison

The ICICI Emeralde credit card is a premium credit card that enriches your lifestyle and travels with offers on movies and events, complimentary rounds of golf every month, shopping voucher from Tata Clique worth Rs. 5000 in your birthday month, unlimited complimentary domestic and international lounge access, and much more. The fee for the card is quite high but you can get an annual fee waiver. The card also offers a good reward rate across different categories although it is not as good as competitor credit cards such as HDFC Diners Club Black credit card and Axis Magnus credit card in this segment.

The HDFC Infinia credit card is one of the top super premium credit cards in the market. Although it comes with a high fee, the redemption value of HDFC Infinia for travel bookings via SmartBuy and Air mile conversion helps it outshine its competitors. It is one of the most sought after luxury credit cards for travel due to its unlimited domestic and international lounge access, low forex markup fee, and benefits with ITC and Marriott. Further, it has a lucrative rewards program.

The table below shows both these credit cards compared on the basis of various parameters.

Eligibility Criteria of Both Cards

• HDFC Infinia: HDFC Infinia is an invite-only card (an invitation will be sent to the eligible user via SMS or email).

ICICI Emeralde Credit Card:

• Only existing ICICI Bank Global Private client customers can apply for the credit card.
• Salary: The net monthly income must be Rs. 1,50,000 or above.
• The annual tax returns filed should be 18,00000 or above.

Which Card to Choose?

The HDFC Infinia, as well as the ICICI Bank Emeralde Credit Card are really great choices for credit cards in the premium category. You cannot say that one card is better than the other. So, choose the card most suitable for you based on your spending pattern and preferences. This article ICICI Emeralde Credit Card versus HDFC Infinia Credit Card will surely help in analyzing the two cards at a deeper level.

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.