Side-by-side · honest numbers
Axis Bank Airtel Credit Card vs ICICI Bank Emeralde Private Metal Credit Card vs SBI Card PRIME
Honest side-by-side comparison of Axis Bank Airtel Credit Card, ICICI Bank Emeralde Private Metal Credit Card, SBI Card PRIME — 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, Axis Bank Airtel Credit Card ranks first for estimated net annual value — ahead of SBI Card PRIME by about ₹6,569/yr.
| Feature | Axis Bank Airtel Credit Card Axis Bank | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | SBI Card PRIME SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹12,000 | ₹2,999 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | ₹5,00,000/yr |
| Min income | ₹20,000/mo | ₹1,00,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,070/yr | -₹8,952/yr | ₹1,501/yr |
| Dining & delivery | 10% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — | — |
| Travel | — | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Utilities & bills | 25% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — | — |
| Top reward rate | 25% | 4X reward points | 4X reward points |
| Primary reward cap | ₹250 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic & international lounge access · No minimum spend required for lounge access | Domestic lounge visits per year — verify count |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent · Wallet | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹3,000 |
Frequently asked questions
- Which card has the lower annual fee?
- Axis Bank Airtel Credit Card has the lowest annual fee at ₹500.
- Which card earns more on moderate spend?
- Axis Bank Airtel Credit Card leads with an estimated ₹8,070/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank Airtel 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.
Axis Bank Airtel Credit Card
Axis Bank
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank
SBI Card PRIME
SBI Card
Your adjusted comparison
| Feature | Axis BankGold Axis Bank Airtel Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Airtel Credit Card Top reward25% Annual fee₹500 Min income₹20,000/mo Tap to flip back Axis Bank Airtel Credit Card Axis 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 | SBI CardPlatinum SBI Card PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹12,000 | ₹2,999 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | ₹5,00,000/yr |
| Min income | ₹20,000/mo | ₹1,00,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,070/yr | -₹8,952/yr | ₹1,501/yr |
| Dining & delivery | 10% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — | — |
| Travel | — | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Utilities & bills | 25% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — | — |
| Top reward rate | 25% | 4X reward points | 4X reward points |
| Primary reward cap | ₹250 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic & international lounge access · No minimum spend required for lounge access | Domestic lounge visits per year — verify count |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent · Wallet | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹3,000 |
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