Side-by-side · honest numbers
American Express Platinum Travel Card vs AU Zenith Credit Card vs ICICI Bank Emeralde Private Metal Credit Card
Honest side-by-side comparison of American Express Platinum Travel Card, AU Zenith 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 Zenith Credit Card by about ₹12,727/yr.
| Feature | American Express Platinum Travel Card American Express | AU Zenith Credit Card AU Small Finance Bank | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | ₹7,999 | ₹12,000 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹60,000/mo | ₹75,000/mo | ₹1,00,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,990/yr | -₹6,737/yr | -₹8,952/yr |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) |
| Top reward rate | 3X Membership Rewards/₹150 | 3X points/₹150 | 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 | Unlimited domestic lounge access · Premium AU tier — no spend milestone stated for lounge in public benefits | 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?
- American Express Platinum Travel Card has the lowest annual fee at ₹5,000.
- 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?
- American Express Platinum Travel Card lists a minimum monthly income of ₹60,000.
- 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 Zenith 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 BankPlatinum AU Zenith Credit Card •••• •••• •••• 4242 Quick facts AU Zenith Credit Card Top reward3X points/₹150 Annual fee₹7,999 Min income₹75,000/mo Tap to flip back AU Zenith 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 | ₹7,999 | ₹12,000 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹60,000/mo | ₹75,000/mo | ₹1,00,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,990/yr | -₹6,737/yr | -₹8,952/yr |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) |
| Top reward rate | 3X Membership Rewards/₹150 | 3X points/₹150 | 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 | Unlimited domestic lounge access · Premium AU tier — no spend milestone stated for lounge in public benefits | 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 | — | — |
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https://cardhungry.com/in/en/compare/amex-platinum-travel-vs-au-zenith-vs-icici-emeraldeMore American Express Platinum Travel Card comparisons
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