Side-by-side · honest numbers
American Express Platinum Travel Card vs AU Altura Credit Card vs ICICI Bank Emeralde Private Metal Credit Card
Honest side-by-side comparison of American Express Platinum Travel Card, AU Altura Credit Card, ICICI Bank Emeralde Private Metal Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, American Express Platinum Travel Card ranks first for estimated net annual value — ahead of AU Altura Credit Card by about ₹4,070/yr.
| Feature | American Express Platinum Travel Card American Express | AU Altura Credit Card AU Small Finance Bank | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | Lifetime free | ₹12,000 |
| Fee waiver threshold | No waiver published | Lifetime free | No waiver published |
| Min income | ₹60,000/mo | ₹15,000/mo | ₹1,00,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,990/yr | ₹1,920/yr | -₹8,952/yr |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) |
| Utilities & bills | — | 2% cashback → ₹80/mo (₹960/yr) | — |
| Top reward rate | 3X Membership Rewards/₹150 | 2% cashback | 4X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Priority Pass — international lounge network · PP membership included; visit limits per Amex T&Cs — not spend-gated | None | Unlimited domestic & international lounge access · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Small merchants | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹10,000 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- AU Altura Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- American Express Platinum Travel Card leads with an estimated ₹5,990/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- AU Altura Credit Card lists a minimum monthly income of ₹15,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
American Express Platinum Travel Card
American Express
AU Altura Credit Card
AU Small Finance Bank
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank
Your adjusted comparison
| Feature | American ExpressPlatinum American Express Platinum Travel Card •••• •••• •••• 4242 Quick facts American Express Platinum Travel Card Top reward3X Membership Rewards/₹150 Annual fee₹5,000 Min income₹60,000/mo Tap to flip back American Express Platinum Travel Card American Express | AU Small Finance BankClassic AU Altura Credit Card •••• •••• •••• 4242 Quick facts AU Altura Credit Card Top reward2% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back AU Altura Credit Card AU Small Finance Bank | ICICI BankMetal ICICI Bank Emeralde Private Metal Credit Card •••• •••• •••• 4242 Quick facts ICICI Bank Emeralde Private Metal Credit Card Top reward4X reward points Annual fee₹12,000 Min income₹1,00,000/mo Tap to flip back ICICI Bank Emeralde Private Metal Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | Lifetime free | ₹12,000 |
| Fee waiver threshold | No waiver published | Lifetime free | No waiver published |
| Min income | ₹60,000/mo | ₹15,000/mo | ₹1,00,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,990/yr | ₹1,920/yr | -₹8,952/yr |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) |
| Utilities & bills | — | 2% cashback → ₹80/mo (₹960/yr) | — |
| Top reward rate | 3X Membership Rewards/₹150 | 2% cashback | 4X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Priority Pass — international lounge network · PP membership included; visit limits per Amex T&Cs — not spend-gated | None | Unlimited domestic & international lounge access · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Small merchants | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹10,000 | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/amex-platinum-travel-vs-au-altura-vs-icici-emeraldeMore American Express Platinum Travel Card comparisons
- American Express Platinum Travel Card vs 811 Dream Different Credit Card
- American Express Platinum Travel Card vs AU Zenith Credit Card
- American Express Platinum Travel Card vs American Express Gold Card
- American Express Platinum Travel Card vs American Express SmartEarn Credit Card
- American Express Platinum Travel Card vs Amex Membership Rewards CC
- American Express Platinum Travel Card vs Axis Bank ACE Credit Card
- American Express Platinum Travel Card vs Axis Bank Airtel Credit Card
- American Express Platinum Travel Card vs Axis Bank Atlas Credit Card
- American Express Platinum Travel Card vs Axis Bank Flipkart Credit Card
- American Express Platinum Travel Card vs Axis Bank Magnus Credit Card
- American Express Platinum Travel Card vs Axis Bank My Zone Credit Card
- American Express Platinum Travel Card vs Axis Bank Neo Credit Card