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Side-by-Side Comparison|Updated March 2026

Emirates Skywards ICICI Bank Emeralde Credit Card vs Axis Bank Vistara Infinite Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

ICICI Bank

Emirates Skywards ICICI Bank Emeralde Credit Card

8.5/10
Annual Fee₹10,000
Base Rewards1%
NetworkVisa
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Axis Bank

Axis Bank Vistara Infinite Credit Card

9/10
Annual Fee₹10,000
Base Rewards3%
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Feature-by-Feature Comparison

FeatureEmirates Skywards ICICI Bank Emeralde Credit CardAxis Bank Vistara Infinite Credit Card
Annual Fee₹10,000₹10,000
Joining Fee₹10,000₹10,000
Fee Waiver SpendN/AN/A
Base Reward Rate1%3%
Reward CurrencySkywards MilesMaharaja Club Points
NetworkVisaVisa
Editor Rating8.5/109/10
Forex Markup3.5%3.5%

Accelerated Rewards

Emirates Skywards ICICI Bank Emeralde Credit Card

  • 2.5% on Emirates Bookings

Axis Bank Vistara Infinite Credit Card

  • 0% on Vistara/Air India Bookings

Pros & Cons

Emirates Skywards ICICI Bank Emeralde Credit Card

Pros

  • Unlimited domestic and international lounge access for the primary cardholder.
  • Complimentary Emirates Skywards Silver Tier membership providing priority check-in and boarding.
  • High reward rate of 2.5 Skywards Miles per ₹100 on all spends (except exclusions).
  • Generous movie benefit with Buy 1 Get 1 up to ₹750 off, 4 times a month.

Cons

  • High annual fee of ₹10,000 with no specified spend-based waiver.
  • High foreign currency markup of 3.5% despite being a premium travel card.
  • Miles are primarily valuable only for Emirates loyalists.

Axis Bank Vistara Infinite Credit Card

Pros

  • Complimentary Business Class ticket voucher on joining and every renewal.
  • Complimentary Maharaja Club Gold membership for the first year with priority perks.
  • Highly rewarding milestone program offering up to 4 additional Business Class tickets.
  • 6 Maharaja Club points for every ₹200 spent on all eligible categories.

Cons

  • High annual fee of ₹10,000 with no spend-based waiver option.
  • Domestic lounge access requires a minimum spend of ₹50,000 in the previous 3 months.
  • Extensive list of excluded categories for rewards including fuel, utilities, and insurance.

Our Verdict

Axis Bank Vistara Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Emirates Skywards ICICI Bank Emeralde Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Emirates Skywards ICICI Bank Emeralde Credit Card if

Silver Tier status and high mile earn rate on Emirates bookings make it highly rewarding for loyalists.

Choose Axis Bank Vistara Infinite Credit Card if

The card provides immediate value through Business Class vouchers and Gold tier status on Air India/Vistara.

Frequently Asked Questions

Which is better: Emirates Skywards ICICI Bank Emeralde Credit Card or Axis Bank Vistara Infinite Credit Card?
Axis Bank Vistara Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Emirates Skywards ICICI Bank Emeralde Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Emirates Skywards ICICI Bank Emeralde Credit Card and Axis Bank Vistara Infinite Credit Card?
Emirates Skywards ICICI Bank Emeralde Credit Card has an annual fee of ₹10,000, while Axis Bank Vistara Infinite Credit Card has an annual fee of ₹10,000.
Which card has better rewards: Emirates Skywards ICICI Bank Emeralde Credit Card or Axis Bank Vistara Infinite Credit Card?
Emirates Skywards ICICI Bank Emeralde Credit Card offers a base reward rate of 1% with accelerated rewards on Emirates Bookings. Axis Bank Vistara Infinite Credit Card offers 3% base rewards with bonuses on Vistara/Air India Bookings. The better choice depends on your primary spending categories.
Can I have both Emirates Skywards ICICI Bank Emeralde Credit Card and Axis Bank Vistara Infinite Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Emirates Skywards ICICI Bank Emeralde Credit Card and Axis Bank Vistara Infinite Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Emirates Skywards ICICI Bank Emeralde Credit Card or Axis Bank Vistara Infinite Credit Card?
For beginners, Emirates Skywards ICICI Bank Emeralde Credit Card may be more approachable with a lower annual fee of ₹10,000. However, evaluate based on your expected spending pattern rather than fee alone.

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