HDFC Bank BizBIack Metal Business Credit Card vs ICICI Bank Emeralde Private Metal Credit Card
A side-by-side breakdown of fees, rewards, lounge access and benefits — so you can pick the right card for your spending.
It's a tie — 2 categories each
Both cards are closely matched. Your choice should come down to which specific benefits matter most for your spending pattern.
Head-to-head comparison
Overview
Expert Score
87/100
88/100
Bank
HDFC Bank
ICICI Bank
Network
Visa
Visa
Reward Rate
3.33%
3%
Fees & Charges
Joining Fee
₹10,000
₹12,499
Annual Fee
₹10,000
₹12,499
Forex Markup
3.5%
2%
Finance Charges
1.99% per month
3.75% per month
Rewards
Value per Point
—
—
Value Back
Benefits
Domestic Lounge
International Lounge
Dining
Golf
Concierge
Insurance
Travel
Fuel Waiver
Movie Benefits
Pick HDFC Bank BizBIack Metal Business Credit Card if…
- You want better joining fee
- You want better annual fee
Pick ICICI Bank Emeralde Private Metal Credit Card if…
- You want better expert score
- You want better travel
Frequently asked questions
Which has a better expert score, HDFC Bank BizBIack Metal Business Credit Card or ICICI Bank Emeralde Private Metal Credit Card?+
ICICI Bank Emeralde Private Metal Credit Card scores higher at 88/100, compared to 87/100 for the other.
Which card has lower fees?+
HDFC Bank BizBIack Metal Business Credit Card costs ₹10,000 to join and ₹10,000 annually. ICICI Bank Emeralde Private Metal Credit Card costs ₹12,499 to join and ₹12,499 annually.
Which card should I pick?+
These cards are evenly matched in our scoring. Pick the one whose specific benefits (lounge, dining, fuel, travel) line up best with how you spend.