Card Comparison · India
HB Infinia Metal Credit CardvsIB Emeralde Private Metal Card
Infinia Metal 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.
| HBInfinia Metal 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 | Priority Pass — unlimited visits worldwide |
| Intl lounge visits | — | — |
| Domestic lounge visits | — | — |
| Guest policy | Guests at Priority Pass rates (typically ₹3,500 per guest per visit). | 12 complimentary guest visits per year. |
| Eligibility | Invite only — income ₹25L+ | Invite only — ICICI Wealth Management customers |
| Value score | 5/5 | 4/5 |
| Best for | Heavy international travellers — 6+ flights per year | ICICI banking customers seeking premium travel benefits |
Infinia Metal Credit Card — full review
Fees, lounge terms, activation steps, pros & cons →
Emeralde Private Metal Card — full review
Fees, lounge terms, activation steps, pros & cons →
Infinia Metal Credit Card vs Emeralde Private Metal Card — frequently asked
Is Infinia Metal 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, Infinia Metal Credit Card or Emeralde Private Metal Card?
Infinia Metal Credit Card: Priority Pass — unlimited visits. 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 Infinia Metal Credit Card and Emeralde Private Metal Card?
Infinia Metal Credit Card — Invite only — income ₹25L+. 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 Infinia Metal Credit Card or Emeralde Private Metal Card better value?
Loungely value score — Infinia Metal Credit Card: 5/5 (best for heavy international travellers — 6+ flights per year). 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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