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Reserve vs Emeralde – Full comparison
Both cards verified with issuer
Reserve source Emeralde sourceAnnual fee structure is a key difference
Key differences
Best forex Reserve 1.5%
Lowest fee Emeralde ₹12,000
Spend context
At ₹50k/month spend:
- Emeralde: ~₹750/month at base rate
- Reserve: Base earn not clearly specified
Approximate, based on base rates (before caps).
| Reserve AXIS | Emeralde ICICI | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits No difference | Unlimited | Unlimited |
| International lounge visits Only available for Reserve | 12/year | Varies by variant |
| Forex / International Use | ||
| Forex markup 1.5% vs 2% | 1.5% | 2% |
| Fees | ||
| Annual fee ₹50,000 vs ₹12,000 | ₹50,000 | ₹12,000 |
| Joining fee ₹50,000 vs ₹12,000 | ₹50,000 | ₹12,000 |
| Fee waiver spend Only available for Emeralde | Not clearly specified | ₹10,00,000 |
| Rewards | ||
| Points per ₹100 Only available for Emeralde | Check issuer | 6 pts |
| Point cash value ₹1 vs ₹0.25 | ₹1 | ₹0.25 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
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Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.