Card Comparison · India
AB Magnus Credit CardvsIB Emeralde Private Metal Card
Magnus Credit Card and Emeralde Private Metal Card compared side by side — annual fee, lounge-access program, visit limits, eligibility, and value. All figures from Loungely's verified card data, in INR.
| ABMagnus Credit Card | IBEmeralde Private Metal Card | |
|---|---|---|
| Annual fee | ₹12,500/yr | ₹12,499/yr |
| Network | Visa Infinite | Visa Infinite |
| Access program | Priority Pass — unlimited visits + 8 guest visits/year | Priority Pass — unlimited visits worldwide |
| Intl lounge visits | — | — |
| Domestic lounge visits | — | — |
| Guest policy | 8 complimentary guest visits per year; domestic visits capped at 2 guests per visit. | 12 complimentary guest visits per year. |
| Eligibility | Income ₹18L+, open application | Invite only — ICICI Wealth Management customers |
| Value score | 5/5 | 4/5 |
| Best for | Business travellers who need guest access and strong rewards | ICICI banking customers seeking premium travel benefits |
Magnus Credit Card — full review
Fees, lounge terms, activation steps, pros & cons →
Emeralde Private Metal Card — full review
Fees, lounge terms, activation steps, pros & cons →
Magnus Credit Card vs Emeralde Private Metal Card — frequently asked
Is Magnus Credit Card or Emeralde Private Metal Card cheaper?
Emeralde Private Metal Card is cheaper at ₹12,499/yr vs ₹12,500/yr — a difference of 1 INR/yr. A lower fee only wins if the lounge access still covers the airports you fly through.
Which gives better lounge access, Magnus Credit Card or Emeralde Private Metal Card?
Magnus Credit Card: Priority Pass — unlimited visits + 8 guest visits/year. Emeralde Private Metal Card: Priority Pass — unlimited visits worldwide. Network reach matters more than raw visit count — a card with unlimited visits on a program that isn't present at your home airport is worth less than a capped card that is.
What are the eligibility differences between Magnus Credit Card and Emeralde Private Metal Card?
Magnus Credit Card — Income ₹18L+, open application. Emeralde Private Metal Card — Invite only — ICICI Wealth Management customers. Eligibility (income floor, invite-only status, existing-relationship requirements) is often the real deciding factor, not the headline lounge perk.
Is Magnus Credit Card or Emeralde Private Metal Card better value?
Loungely value score — Magnus Credit Card: 5/5 (best for business travellers who need guest access and strong rewards). Emeralde Private Metal Card: 4/5 (best for icici banking customers seeking premium travel benefits). Both are India cards, so the fee and access figures are directly comparable in INR.
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