Card Comparison · India
HB Regalia Gold Credit CardvsIB Emeralde Private Metal Card
Regalia Gold 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.
| HBRegalia Gold Credit Card | IBEmeralde Private Metal Card | |
|---|---|---|
| Annual fee | ₹2,500/yr | ₹12,499/yr |
| Network | Visa Signature | Visa Infinite |
| Access program | Priority Pass (6 intl visits/yr) + domestic card-swipe access | Priority Pass — unlimited visits worldwide |
| Intl lounge visits | 6/year | — |
| Domestic lounge visits | 3/quarter | — |
| Guest policy | No free guests — international guests ~US $27 + GST each. | 12 complimentary guest visits per year. |
| Eligibility | Income ₹6L+, open application | Invite only — ICICI Wealth Management customers |
| Value score | 4/5 | 4/5 |
| Best for | Domestic flyers who spend ₹60k+/quarter, plus occasional international travel | ICICI banking customers seeking premium travel benefits |
Regalia Gold Credit Card — full review
Fees, lounge terms, activation steps, pros & cons →
Emeralde Private Metal Card — full review
Fees, lounge terms, activation steps, pros & cons →
Regalia Gold Credit Card vs Emeralde Private Metal Card — frequently asked
Is Regalia Gold Credit Card or Emeralde Private Metal Card cheaper?
Regalia Gold Credit Card is cheaper at ₹2,500/yr vs ₹12,499/yr — a difference of 9,999 INR/yr. A lower fee only wins if the lounge access still covers the airports you fly through.
Which gives better lounge access, Regalia Gold Credit Card or Emeralde Private Metal Card?
Regalia Gold Credit Card: Priority Pass (6 intl visits/yr) + domestic card-swipe access. 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 Regalia Gold Credit Card and Emeralde Private Metal Card?
Regalia Gold 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 Regalia Gold Credit Card or Emeralde Private Metal Card better value?
Loungely value score — Regalia Gold Credit Card: 4/5 (best for domestic flyers who spend ₹60k+/quarter, plus occasional international travel). 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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