ICICI Bank Emeralde Private Metal Credit Card vs HSBC Premier World Mastercard
A side-by-side comparison of fees, rewards, and benefits to help you pick the right card for your spending.
| ICICI Bank Emeralde Private Metal Credit Card | HSBC Premier World Mastercard | |
|---|---|---|
| Issuer | ICICI | HSBC |
| Annual fee | ₹12,000/yr ✓ | ₹12,500/yr |
| Joining fee | ₹12,000 | ₹12,500 |
| Best reward | 4% on International | 2.50% on International |
| Forex markup | 2% | 0% ✓ |
| Lounge access | Yes | Yes |
| Welcome benefit | ~₹12,000 | ~₹5,000 |
| Min income | ₹3,00,000/mo | ₹2,00,000/mo |
| Expert rating | 4.7 / 5 ✓ | 4.6 / 5 |
Which should you pick?
Choose the ICICI Bank Emeralde Private Metal Credit Card if you want strong rewards on international at a lower annual fee. Consider the HSBC Premier World Mastercard if you spend more on international. Your actual best card depends on how you spend — run your numbers below.
ICICI Bank Emeralde Private Metal Credit Card vs HSBC Premier World Mastercard — FAQs
Which has a lower annual fee, ICICI Bank Emeralde Private Metal Credit Card or HSBC Premier World Mastercard?
The ICICI Bank Emeralde Private Metal Credit Card has the lower annual fee at ₹12,000/yr, versus ₹12,500/yr for the HSBC Premier World Mastercard.
Do ICICI Bank Emeralde Private Metal Credit Card and HSBC Premier World Mastercard offer airport lounge access?
Both cards include complimentary airport lounge access — check each card’s visit limits and whether international lounges are covered.
Which card has lower forex markup, ICICI Bank Emeralde Private Metal Credit Card or HSBC Premier World Mastercard?
The HSBC Premier World Mastercard has the lower forex markup at 0%, versus 2% on the ICICI Bank Emeralde Private Metal Credit Card.
Which is better, ICICI Bank Emeralde Private Metal Credit Card or HSBC Premier World Mastercard?
Neither card is universally better — it depends on how you spend. The ICICI Bank Emeralde Private Metal Credit Card rewards international at 4%, while the HSBC Premier World Mastercard rewards international at 2.50%. Compare their fees and benefits above, or run your actual spending through our recommender for a personalised pick.