Side-by-side · honest numbers
Axis Bank Flipkart Credit Card vs Axis Bank My Zone Credit Card vs ICICI Bank Emeralde Private Metal Credit Card
Honest side-by-side comparison of Axis Bank Flipkart Credit Card, Axis Bank My Zone 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, Axis Bank Flipkart Credit Card ranks first for estimated net annual value — ahead of Axis Bank My Zone Credit Card by about ₹1,990/yr.
| Feature | Axis Bank Flipkart Credit Card Axis Bank | Axis Bank My Zone Credit Card Axis Bank | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹500 | ₹12,000 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | No waiver published |
| Min income | ₹25,000/mo | ₹20,000/mo | ₹1,00,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,960/yr | ₹3,970/yr | -₹8,952/yr |
| Online shopping | 5% cashback → ₹200/mo (₹2,400/yr) (cap hit) | — | — |
| Dining & delivery | — | 4% cashback → ₹160/mo (₹1,920/yr) | — |
| Travel | — | — | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) |
| Top reward rate | 5% | 4% | 4X reward points |
| Primary reward cap | ₹4,000 eligible spend/mo | ₹400 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | 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 · Wallet · Insurance | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹500 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Axis Bank Flipkart Credit Card has the lowest annual fee at ₹500.
- Which card earns more on moderate spend?
- Axis Bank Flipkart Credit Card leads with an estimated ₹5,960/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank My Zone 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 Flipkart Credit Card
Axis Bank
Axis Bank My Zone Credit Card
Axis Bank
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank
Your adjusted comparison
| Feature | Axis BankGold Axis Bank Flipkart Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Flipkart Credit Card Top reward5% Annual fee₹500 Min income₹25,000/mo Tap to flip back Axis Bank Flipkart Credit Card Axis Bank | Axis BankGold Axis Bank My Zone Credit Card •••• •••• •••• 4242 Quick facts Axis Bank My Zone Credit Card Top reward4% Annual fee₹500 Min income₹20,000/mo Tap to flip back Axis Bank My Zone 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 |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹500 | ₹12,000 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | No waiver published |
| Min income | ₹25,000/mo | ₹20,000/mo | ₹1,00,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,960/yr | ₹3,970/yr | -₹8,952/yr |
| Online shopping | 5% cashback → ₹200/mo (₹2,400/yr) (cap hit) | — | — |
| Dining & delivery | — | 4% cashback → ₹160/mo (₹1,920/yr) | — |
| Travel | — | — | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) |
| Top reward rate | 5% | 4% | 4X reward points |
| Primary reward cap | ₹4,000 eligible spend/mo | ₹400 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | 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 · Wallet · Insurance | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹500 | — | — |
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https://cardhungry.com/in/en/compare/axis-flipkart-vs-axis-my-zone-vs-icici-emeraldeMore Axis Bank Flipkart Credit Card comparisons
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