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Side-by-Side Comparison|Updated March 2026

Lifestyle Home Centre Max SBI Card vs Emirates Skywards ICICI Bank Emeralde Credit Card

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

SBI Card

Lifestyle Home Centre Max SBI Card

6/10
Annual Fee₹499
Base Rewards0.25%
NetworkVisa
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ICICI Bank

Emirates Skywards ICICI Bank Emeralde Credit Card

8.5/10
Annual Fee₹10,000
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureLifestyle Home Centre Max SBI CardEmirates Skywards ICICI Bank Emeralde Credit Card
Annual Fee₹499₹10,000
Joining Fee₹499₹10,000
Fee Waiver SpendN/AN/A
Base Reward Rate0.25%1%
Reward CurrencyReward PointsSkywards Miles
NetworkVisaVisa
Editor Rating6/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Lifestyle Home Centre Max SBI Card

  • 1.25% on Landmark Stores - SHOPPING
  • 1.25% on DINING
  • 1.25% on MOVIES

Emirates Skywards ICICI Bank Emeralde Credit Card

  • 2.5% on Emirates Bookings

Pros & Cons

Lifestyle Home Centre Max SBI Card

Pros

  • Accelerated 5 reward points per 100 spent at Landmark Group stores including Lifestyle, Max, and Home Centre.
  • Joining bonus of 2,000 points effectively offsets the first-year fee.
  • Cumulative milestone rewards of up to 16,000 points based on annual spending.
  • Rewards can be instantly redeemed at Landmark partner stores at a value of 0.25 INR per point.

Cons

  • Very low base reward rate of 0.25% on non-Landmark retail spends.
  • No complimentary airport lounge access or travel benefits.
  • High finance charges of 42% per annum if balances are not cleared.

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.

Our Verdict

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

Choose Lifestyle Home Centre Max SBI Card if

Individuals who frequently shop for apparel and home decor at Max, Lifestyle, and Home Centre.

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.

Frequently Asked Questions

Which is better: Lifestyle Home Centre Max SBI Card or Emirates Skywards ICICI Bank Emeralde Credit Card?
Emirates Skywards ICICI Bank Emeralde Credit Card edges ahead overall with a stronger combination of rewards and value. However, Lifestyle Home Centre Max SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Lifestyle Home Centre Max SBI Card and Emirates Skywards ICICI Bank Emeralde Credit Card?
Lifestyle Home Centre Max SBI Card has an annual fee of ₹499, while Emirates Skywards ICICI Bank Emeralde Credit Card has an annual fee of ₹10,000.
Which card has better rewards: Lifestyle Home Centre Max SBI Card or Emirates Skywards ICICI Bank Emeralde Credit Card?
Lifestyle Home Centre Max SBI Card offers a base reward rate of 0.25% with accelerated rewards on Landmark Stores - SHOPPING and DINING. Emirates Skywards ICICI Bank Emeralde Credit Card offers 1% base rewards with bonuses on Emirates Bookings. The better choice depends on your primary spending categories.
Can I have both Lifestyle Home Centre Max SBI Card and Emirates Skywards ICICI Bank Emeralde Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Lifestyle Home Centre Max SBI Card and Emirates Skywards ICICI Bank Emeralde Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Lifestyle Home Centre Max SBI Card or Emirates Skywards ICICI Bank Emeralde Credit Card?
For beginners, Lifestyle Home Centre Max SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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