Card Comparison · India
IB Emeralde Private Metal CardvsSC SimplyCLICK Credit Card
Emeralde Private Metal Card and SimplyCLICK Credit 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.
| IBEmeralde Private Metal Card | SCSimplyCLICK Credit Card | |
|---|---|---|
| Annual fee | ₹12,499/yr | ₹499/yr |
| Network | Visa Infinite | Visa Signature |
| Access program | Priority Pass — unlimited visits worldwide | Visa Signature — 2 lounge visits/quarter |
| Intl lounge visits | — | — |
| Domestic lounge visits | — | — |
| Guest policy | 12 complimentary guest visits per year. | — |
| Eligibility | Invite only — ICICI Wealth Management customers | Income ₹3L+, easy approval |
| Value score | 4/5 | 3/5 |
| Best for | ICICI banking customers seeking premium travel benefits | Budget travellers wanting basic lounge access at minimum cost |
Emeralde Private Metal Card — full review
Fees, lounge terms, activation steps, pros & cons →
SimplyCLICK Credit Card — full review
Fees, lounge terms, activation steps, pros & cons →
Emeralde Private Metal Card vs SimplyCLICK Credit Card — frequently asked
Is Emeralde Private Metal Card or SimplyCLICK Credit Card cheaper?
SimplyCLICK Credit Card is cheaper at ₹499/yr vs ₹12,499/yr — a difference of 12,000 INR/yr. A lower fee only wins if the lounge access still covers the airports you fly through.
Which gives better lounge access, Emeralde Private Metal Card or SimplyCLICK Credit Card?
Emeralde Private Metal Card: Priority Pass — unlimited visits worldwide. SimplyCLICK Credit Card: Visa Signature — 2 lounge visits/quarter. 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 Emeralde Private Metal Card and SimplyCLICK Credit Card?
Emeralde Private Metal Card — Invite only — ICICI Wealth Management customers. SimplyCLICK Credit Card — Income ₹3L+, easy approval. Eligibility (income floor, invite-only status, existing-relationship requirements) is often the real deciding factor, not the headline lounge perk.
Is Emeralde Private Metal Card or SimplyCLICK Credit Card better value?
Loungely value score — Emeralde Private Metal Card: 4/5 (best for icici banking customers seeking premium travel benefits). SimplyCLICK Credit Card: 3/5 (best for budget travellers wanting basic lounge access at minimum cost). Both are India cards, so the fee and access figures are directly comparable in INR.
Compare other India cards