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Infinia vs Emeralde – Full comparison
Both cards verified with issuer
Infinia source Emeralde sourceDifference is primarily driven by base reward rates
Key differences
Best rewards Infinia ~3.3%
Lowest fee Emeralde ₹12,000
Spend context
At ₹50k/month spend:
- Infinia: ~₹1,670/month at base rate
- Emeralde: ~₹750/month at base rate
Infinia shows higher base earn at this spend
Approximate, based on base rates (before caps).
| Infinia HDFC | Emeralde ICICI | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits No difference | Unlimited | Unlimited |
| Forex / International Use | ||
| Forex markup No difference | 2% | 2% |
| Fees | ||
| Annual fee ₹12,500 vs ₹12,000 | ₹12,500 | ₹12,000 |
| Joining fee ₹12,500 vs ₹12,000 | ₹12,500 | ₹12,000 |
| Fee waiver spend No difference | ₹10,00,000 | ₹10,00,000 |
| Rewards | ||
| Reward points (base spend) 5 pts/₹150 vs 6 pts/₹100 | 5 pts/₹150 | 6 pts/₹100 |
| 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.
Related compare links
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Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.