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Side-by-Side Comparison|Updated March 2026

ICICI Bank Emeralde Private Metal Credit Card vs Amazon Pay ICICI Bank Credit Card

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

ICICI Bank

ICICI Bank Emeralde Private Metal Credit Card

9/10
Annual Fee₹12,499
Base Rewards3%
NetworkMastercard
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ICICI Bank

Amazon Pay ICICI Bank Credit Card

9.5/10
Annual FeeFree
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureICICI Bank Emeralde Private Metal Credit CardAmazon Pay ICICI Bank Credit Card
Annual Fee₹12,499Free
Joining Fee₹12,499Free
Fee Waiver Spend₹10,00,000N/A
Base Reward Rate3%1%
Reward CurrencyICICI Reward PointsAmazon Pay Balance
NetworkMastercardVisa
Editor Rating9/109.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank Emeralde Private Metal Credit Card

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

Amazon Pay ICICI Bank Credit Card

No accelerated rewards listed

Pros & Cons

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).

Amazon Pay ICICI Bank Credit Card

Pros

  • Unlimited 5% cashback on Amazon.in for Prime members with no upper cap.
  • Lifetime free card with zero joining and annual fees forever.
  • Rewards are automatically credited as Amazon Pay balance every month.
  • Competitive 1.99% forex markup fee for international transactions.

Cons

  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.
  • Lounge access is now spend-based (₹75,000 per quarter) rather than flat complimentary.
  • No rewards on fuel, rent, gold, or EMI transactions.

Our Verdict

Both ICICI Bank Emeralde Private Metal Credit Card and Amazon Pay ICICI Bank Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose ICICI Bank Emeralde Private Metal Credit Card if

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

Choose Amazon Pay ICICI Bank Credit Card if

Maximum value for Prime members shopping frequently on Amazon India.

Frequently Asked Questions

Which is better: ICICI Bank Emeralde Private Metal Credit Card or Amazon Pay ICICI Bank Credit Card?
Both ICICI Bank Emeralde Private Metal Credit Card and Amazon Pay ICICI Bank Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between ICICI Bank Emeralde Private Metal Credit Card and Amazon Pay ICICI Bank Credit Card?
ICICI Bank Emeralde Private Metal Credit Card has an annual fee of ₹12,499, while Amazon Pay ICICI Bank Credit Card has no annual fee. ICICI Bank Emeralde Private Metal Credit Card offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: ICICI Bank Emeralde Private Metal Credit Card or Amazon Pay ICICI Bank Credit Card?
ICICI Bank Emeralde Private Metal Credit Card offers a base reward rate of 3% with accelerated rewards on Hotels via iShop and Flights via iShop. Amazon Pay ICICI Bank Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both ICICI Bank Emeralde Private Metal Credit Card and Amazon Pay ICICI Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank Emeralde Private Metal Credit Card and Amazon Pay ICICI Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank Emeralde Private Metal Credit Card or Amazon Pay ICICI Bank Credit Card?
For beginners, Amazon Pay ICICI Bank Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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