Card Comparison · India
AB Vistara Signature Credit CardvsIB Emeralde Private Metal Card
Vistara Signature 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.
| ABVistara Signature Credit Card | IBEmeralde Private Metal Card | |
|---|---|---|
| Annual fee | ₹3,000/yr | ₹12,499/yr |
| Network | Visa Signature | Visa Infinite |
| Access program | Visa Signature — 8 lounge visits/year | Priority Pass — unlimited visits worldwide |
| Intl lounge visits | — | — |
| Domestic lounge visits | — | — |
| Guest policy | Guests available at ₹2,000 per visit at most lounges. | 12 complimentary guest visits per year. |
| Eligibility | Income ₹6L+, open application | Invite only — ICICI Wealth Management customers |
| Value score | 3/5 | 4/5 |
| Best for | Vistara / Air India flyers wanting lounge access and flight upgrades | ICICI banking customers seeking premium travel benefits |
Vistara Signature Credit Card — full review
Fees, lounge terms, activation steps, pros & cons →
Emeralde Private Metal Card — full review
Fees, lounge terms, activation steps, pros & cons →
Vistara Signature Credit Card vs Emeralde Private Metal Card — frequently asked
Is Vistara Signature Credit Card or Emeralde Private Metal Card cheaper?
Vistara Signature Credit Card is cheaper at ₹3,000/yr vs ₹12,499/yr — a difference of 9,499 INR/yr. A lower fee only wins if the lounge access still covers the airports you fly through.
Which gives better lounge access, Vistara Signature Credit Card or Emeralde Private Metal Card?
Vistara Signature Credit Card: Visa Signature — 8 lounge 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 Vistara Signature Credit Card and Emeralde Private Metal Card?
Vistara Signature Credit Card — Income ₹6L+, 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 Vistara Signature Credit Card or Emeralde Private Metal Card better value?
Loungely value score — Vistara Signature Credit Card: 3/5 (best for vistara / air india flyers wanting lounge access and flight upgrades). 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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