Which card has the lower annual fee?

IDFC FIRST HPCL Power+ Credit Card has the lowest annual fee at ₹499.

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?

IDFC FIRST HPCL Power+ Credit Card lists a minimum monthly income of ₹20,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

American Express Platinum Travel Card vs ICICI Bank Emeralde Private Metal Credit Card vs IDFC FIRST HPCL Power+ Credit Card

Honest side-by-side comparison of American Express Platinum Travel Card, ICICI Bank Emeralde Private Metal Credit Card, IDFC FIRST HPCL Power+ 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 IDFC FIRST HPCL Power+ Credit Card by about ₹2,630/yr.

American Express Platinum Travel Card vs ICICI Bank Emeralde Private Metal Credit Card vs IDFC FIRST HPCL Power+ Credit Card comparison table
Feature	American Express Platinum Travel Card American Express	ICICI Bank Emeralde Private Metal Credit Card ICICI Bank	IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank
Fees & eligibility
Annual fee	₹5,000	₹12,000	₹499
Fee waiver threshold	No waiver published	No waiver published	Waived at ₹1,50,000/yr spend
Min income	₹60,000/mo	₹1,00,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹5,990/yr	-₹8,952/yr	₹3,360/yr
Groceries (offline)	—	—	5 pts per ₹150 spend → ₹50/mo (₹600/yr)
Fuel	—	—	30 pts per ₹150 spend → ₹200/mo (₹2,400/yr)
Travel	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	4X reward points	30 pts/₹150
Primary reward cap	No monthly cap published	No monthly cap published	₹5,000 eligible spend/mo
Perks & restrictions
Lounge access	Priority Pass — international lounge network · PP membership included; visit limits per Amex T&Cs — not spend-gated	Unlimited domestic & international lounge access · No minimum spend required for lounge access	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Small merchants	EMI · Fuel · Rent · Wallet	EMI · Rent · Wallet · Insurance
Bonuses
Signup bonus	₹10,000	—	₹500

Frequently asked questions

Which card has the lower annual fee?: IDFC FIRST HPCL Power+ Credit Card has the lowest annual fee at ₹499.
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?: IDFC FIRST HPCL Power+ Credit Card lists a minimum monthly income of ₹20,000.
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.

Card 1

American Express Platinum Travel Card

American Express

Card 2

ICICI Bank Emeralde Private Metal Credit Card

ICICI Bank

Card 3

IDFC FIRST HPCL Power+ Credit Card

IDFC FIRST 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	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	IDFC FIRST BankGold IDFC FIRST HPCL Power+ Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST HPCL Power+ Credit Card Top reward30 pts/₹150 Annual fee₹499 Min income₹20,000/mo Tap to flip back IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank
Fees & eligibility
Annual fee	₹5,000	₹12,000	₹499
Fee waiver threshold	No waiver published	No waiver published	Waived at ₹1,50,000/yr spend
Min income	₹60,000/mo	₹1,00,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹5,990/yr	-₹8,952/yr	₹3,360/yr
Groceries (offline)	—	—	5 pts per ₹150 spend → ₹50/mo (₹600/yr)
Fuel	—	—	30 pts per ₹150 spend → ₹200/mo (₹2,400/yr)
Travel	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	4X reward points	30 pts/₹150
Primary reward cap	No monthly cap published	No monthly cap published	₹5,000 eligible spend/mo
Perks & restrictions
Lounge access	Priority Pass — international lounge network · PP membership included; visit limits per Amex T&Cs — not spend-gated	Unlimited domestic & international lounge access · No minimum spend required for lounge access	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Small merchants	EMI · Fuel · Rent · Wallet	EMI · Rent · Wallet · Insurance
Bonuses
Signup bonus	₹10,000	—	₹500

American Express Platinum Travel Card details →ICICI Bank Emeralde Private Metal Credit Card details →IDFC FIRST HPCL Power+ Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More American Express Platinum Travel Card comparisons