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Side-by-Side Comparison|Updated March 2026

Samsung Axis Bank Infinite Credit Card 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.

Axis Bank

Samsung Axis Bank Infinite Credit Card

8.2/10
Annual Fee₹5,000
Base Rewards0.2%
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

FeatureSamsung Axis Bank Infinite Credit CardICICI Bank Emeralde Private Metal Credit Card
Annual Fee₹5,000₹12,499
Joining Fee₹5,000₹12,499
Fee Waiver Spend₹7,00,000₹10,00,000
Base Reward Rate0.2%3%
Reward CurrencyEdge Reward PointsICICI Reward Points
NetworkVisaMastercard
Editor Rating8.2/109/10
Forex Markup3.5%3.5%

Accelerated Rewards

Samsung Axis Bank Infinite Credit Card

  • 0% on Preferred Partners (Zomato,...
  • 0% on International Spends
  • 0% on Other Domestic Spends

ICICI Bank Emeralde Private Metal Credit Card

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

Pros & Cons

Samsung Axis Bank Infinite Credit Card

Pros

  • Flat 10% cashback on Samsung products (Smartphones, TVs, Appliances) throughout the year.
  • High reward rate of 15 Edge Points per ₹100 on international spends and preferred partners like Zomato and Myntra.
  • Generous welcome benefit of 30,000 Edge Reward Points worth ₹6,000.
  • Comprehensive lounge access with 8 domestic and 6 international visits annually.

Cons

  • Samsung cashback is capped at ₹5,000 per month and ₹20,000 per year.
  • High annual fee of ₹5,000 with a steep waiver threshold of ₹7 Lakhs.
  • Domestic lounge access is subject to a minimum spend of ₹50,000 in the previous 3 months.

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, Samsung Axis Bank Infinite Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Samsung Axis Bank Infinite Credit Card if

Best-in-class 10% cashback on all Samsung ecosystem purchases including EMI transactions.

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: Samsung Axis Bank Infinite Credit Card 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, Samsung Axis Bank Infinite Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Samsung Axis Bank Infinite Credit Card and ICICI Bank Emeralde Private Metal Credit Card?
Samsung Axis Bank Infinite Credit Card has an annual fee of ₹5,000, while ICICI Bank Emeralde Private Metal Credit Card has an annual fee of ₹12,499. Samsung Axis Bank Infinite Credit Card offers a fee waiver on ₹7,00,000 annual spend. ICICI Bank Emeralde Private Metal Credit Card offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: Samsung Axis Bank Infinite Credit Card or ICICI Bank Emeralde Private Metal Credit Card?
Samsung Axis Bank Infinite Credit Card offers a base reward rate of 0.2% with accelerated rewards on Preferred Partners (Zomato,... and International Spends. 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 Samsung Axis Bank Infinite Credit Card and ICICI Bank Emeralde Private Metal Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Samsung Axis Bank Infinite Credit Card and ICICI Bank Emeralde Private Metal Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Samsung Axis Bank Infinite Credit Card or ICICI Bank Emeralde Private Metal Credit Card?
For beginners, Samsung Axis Bank Infinite Credit Card may be more approachable with a lower annual fee of ₹5,000. However, evaluate based on your expected spending pattern rather than fee alone.

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