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Side-by-Side Comparison|Updated March 2026

SBI Card - SimplyCLICK SBI 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.

SBI Card

SBI Card - SimplyCLICK SBI Card

7.5/10
Annual Fee₹499
Base Rewards0.0625%
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

FeatureSBI Card - SimplyCLICK SBI CardICICI Bank Emeralde Private Metal Credit Card
Annual Fee₹499₹12,499
Joining Fee₹499₹12,499
Fee Waiver Spend₹1,00,000₹10,00,000
Base Reward Rate0.0625%3%
Reward CurrencyReward PointsICICI Reward Points
NetworkVisaMastercard
Editor Rating7.5/109/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - SimplyCLICK SBI Card

  • 0% on Partner Brands
  • 0% on All Other Online Spends

ICICI Bank Emeralde Private Metal Credit Card

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

Pros & Cons

SBI Card - SimplyCLICK SBI Card

Pros

  • 10X reward points (2.5% value back) on online partners like Amazon, Apollo 24x7, BookMyShow, Cleartrip, Domino's, Myntra, Netmeds, and Yatra.
  • 5X reward points (1.25% value back) on all other online spends, making it highly effective for digital shoppers.
  • Milestone e-vouchers worth ₹2,000 each on reaching annual online spend targets of ₹1 Lakh and ₹2 Lakh.
  • Low annual fee of ₹499 which is waived on annual spends of ₹1 Lakh.

Cons

  • No complimentary domestic or international airport lounge access.
  • Low base reward rate of 0.25% on offline transactions.
  • Reward points are not earned on rent payments, fuel, and wallet loads.

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, SBI Card - SimplyCLICK SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose SBI Card - SimplyCLICK SBI Card if

High reward rates on major e-commerce platforms and partner brands.

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: SBI Card - SimplyCLICK SBI 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, SBI Card - SimplyCLICK SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between SBI Card - SimplyCLICK SBI Card and ICICI Bank Emeralde Private Metal Credit Card?
SBI Card - SimplyCLICK SBI Card has an annual fee of ₹499, while ICICI Bank Emeralde Private Metal Credit Card has an annual fee of ₹12,499. SBI Card - SimplyCLICK SBI Card offers a fee waiver on ₹1,00,000 annual spend. ICICI Bank Emeralde Private Metal Credit Card offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: SBI Card - SimplyCLICK SBI Card or ICICI Bank Emeralde Private Metal Credit Card?
SBI Card - SimplyCLICK SBI Card offers a base reward rate of 0.0625% with accelerated rewards on Partner Brands and All Other Online 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 SBI Card - SimplyCLICK SBI Card and ICICI Bank Emeralde Private Metal Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - SimplyCLICK SBI 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: SBI Card - SimplyCLICK SBI Card or ICICI Bank Emeralde Private Metal Credit Card?
For beginners, SBI Card - SimplyCLICK 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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