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Side-by-Side Comparison|Updated March 2026

Fabindia SBI Card SELECT vs ICICI Bank Emeralde Private Metal Credit Card

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

SBI Card

Fabindia SBI Card SELECT

7.5/10
Annual Fee₹1,499
Base Rewards0.25%
NetworkVisa
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ICICI Bank

ICICI Bank Emeralde Private Metal Credit Card

9/10
Annual Fee₹12,499
Base Rewards3%
NetworkMastercard
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Feature-by-Feature Comparison

FeatureFabindia SBI Card SELECTICICI Bank Emeralde Private Metal Credit Card
Annual Fee₹1,499₹12,499
Joining Fee₹1,499₹12,499
Fee Waiver Spend₹2,00,000₹10,00,000
Base Reward Rate0.25%3%
Reward CurrencyReward PointICICI Reward Points
NetworkVisaMastercard
Editor Rating7.5/109/10
Forex Markup3.5%3.5%

Accelerated Rewards

Fabindia SBI Card SELECT

No accelerated rewards listed

ICICI Bank Emeralde Private Metal Credit Card

  • 0% on Hotels via iShop
  • 0% on Flights via iShop

Pros & Cons

Fabindia SBI Card SELECT

Pros

  • High 10% value back on all Fabindia in-store and online spends.
  • Welcome gift voucher of ₹1,500 effectively offsets the joining fee.
  • Direct access to Platinum Tier Fabfamily membership for exclusive privileges.
  • Complimentary domestic lounge access and Priority Pass membership included.

Cons

  • Reward points are primarily valuable only when redeemed for Fabindia shopping.
  • Base reward rate for general spends is relatively low at 1%.
  • International lounge visits via Priority Pass are not complimentary (membership only).

ICICI Bank Emeralde Private Metal Credit Card

Pros

  • Unlimited domestic and international lounge access for both primary and add-on cardholders.
  • High base reward rate of 3% (6 points per ₹200) with 1:1 redemption value on travel.
  • Comprehensive welcome benefits including Taj Epicure Plus and EazyDiner Prime memberships.
  • Zero late payment, overlimit, and cash advance fees.

Cons

  • High card replacement fee of ₹3,500 for the metal variant.
  • Taj Epicure membership is only for the first year and not renewed annually.
  • BookMyShow benefit now requires a quarterly spend of ₹25,000 (effective 2026).

Our Verdict

ICICI Bank Emeralde Private Metal Credit Card edges ahead overall with a stronger combination of rewards and value. However, Fabindia SBI Card SELECT could be the better pick if its specific category strengths match your spending habits.

Choose Fabindia SBI Card SELECT if

The 10% reward rate and Platinum tier membership offer unmatched value for frequent Fabindia shoppers.

Choose ICICI Bank Emeralde Private Metal Credit Card if

Exclusive invite-only access with premium lifestyle and concierge services.

Frequently Asked Questions

Which is better: Fabindia SBI Card SELECT or ICICI Bank Emeralde Private Metal Credit Card?
ICICI Bank Emeralde Private Metal Credit Card edges ahead overall with a stronger combination of rewards and value. However, Fabindia SBI Card SELECT could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Fabindia SBI Card SELECT and ICICI Bank Emeralde Private Metal Credit Card?
Fabindia SBI Card SELECT has an annual fee of ₹1,499, while ICICI Bank Emeralde Private Metal Credit Card has an annual fee of ₹12,499. Fabindia SBI Card SELECT offers a fee waiver on ₹2,00,000 annual spend. ICICI Bank Emeralde Private Metal Credit Card offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: Fabindia SBI Card SELECT or ICICI Bank Emeralde Private Metal Credit Card?
Fabindia SBI Card SELECT offers a base reward rate of 0.25%. ICICI Bank Emeralde Private Metal Credit Card offers 3% base rewards with bonuses on Hotels via iShop and Flights via iShop. The better choice depends on your primary spending categories.
Can I have both Fabindia SBI Card SELECT and ICICI Bank Emeralde Private Metal Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Fabindia SBI Card SELECT and ICICI Bank Emeralde Private Metal Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Fabindia SBI Card SELECT or ICICI Bank Emeralde Private Metal Credit Card?
For beginners, Fabindia SBI Card SELECT may be more approachable with a lower annual fee of ₹1,499. However, evaluate based on your expected spending pattern rather than fee alone.

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