Side-by-side · honest numbers
AU Zenith Credit Card vs ICICI Bank Emeralde Private Metal Credit Card vs Standard Chartered Ultimate Credit Card
Honest side-by-side comparison of AU Zenith Credit Card, ICICI Bank Emeralde Private Metal Credit Card, Standard Chartered Ultimate 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, Standard Chartered Ultimate Credit Card ranks first for estimated net annual value — ahead of AU Zenith Credit Card by about ₹10,497/yr.
| Feature | AU Zenith Credit Card AU Small Finance Bank | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹7,999 | ₹12,000 | ₹5,000 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹75,000/mo | ₹1,00,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,737/yr | -₹8,952/yr | ₹3,760/yr |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | 5% cashback → ₹250/mo (₹3,000/yr) |
| Top reward rate | 3X points/₹150 | 4X reward points | 5% |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | 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 | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Standard Chartered Ultimate Credit Card has the lowest annual fee at ₹5,000.
- Which card earns more on moderate spend?
- Standard Chartered Ultimate Credit Card leads with an estimated ₹3,760/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Standard Chartered Ultimate Credit 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.
AU Zenith Credit Card
AU Small Finance Bank
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank
Standard Chartered Ultimate Credit Card
Standard Chartered
Your adjusted comparison
| Feature | 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 | Standard CharteredPlatinum Standard Chartered Ultimate Credit Card •••• •••• •••• 4242 Quick facts Standard Chartered Ultimate Credit Card Top reward5% Annual fee₹5,000 Min income₹60,000/mo Tap to flip back Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹7,999 | ₹12,000 | ₹5,000 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹75,000/mo | ₹1,00,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,737/yr | -₹8,952/yr | ₹3,760/yr |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | 5% cashback → ₹250/mo (₹3,000/yr) |
| Top reward rate | 3X points/₹150 | 4X reward points | 5% |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | 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 | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/au-zenith-vs-icici-emeralde-vs-sc-ultimateMore AU Zenith Credit Card comparisons
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