Side-by-side · honest numbers
Axis Bank Magnus 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 Magnus 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 Magnus Credit Card ranks first for estimated net annual value — ahead of Axis Bank My Zone Credit Card by about ₹13,282/yr.
| Feature | Axis Bank Magnus 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 | ₹12,500 | ₹500 | ₹12,000 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹1,00,000/mo | ₹20,000/mo | ₹1,00,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹17,252/yr | ₹3,970/yr | -₹8,952/yr |
| Dining & delivery | — | 4% cashback → ₹160/mo (₹1,920/yr) | — |
| Travel | 12 pts per ₹200 spend → ₹120/mo (₹1,440/yr) | — | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) |
| Top reward rate | 12 Edge Miles/₹200 | 4% | 4X reward points |
| Primary reward cap | No monthly cap published | ₹400 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + 8 international/year · ₹50,000 spend in previous 3 calendar months for domestic lounge (waived first 3 months on new issuance) | 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 · Jewellery | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹25,000 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Axis Bank My Zone Credit Card has the lowest annual fee at ₹500.
- Which card earns more on moderate spend?
- Axis Bank Magnus Credit Card leads with an estimated ₹17,252/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 Magnus 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 BankMetal Axis Bank Magnus Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Magnus Credit Card Top reward12 Edge Miles/₹200 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back Axis Bank Magnus 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 | ₹12,500 | ₹500 | ₹12,000 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹1,00,000/mo | ₹20,000/mo | ₹1,00,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹17,252/yr | ₹3,970/yr | -₹8,952/yr |
| Dining & delivery | — | 4% cashback → ₹160/mo (₹1,920/yr) | — |
| Travel | 12 pts per ₹200 spend → ₹120/mo (₹1,440/yr) | — | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) |
| Top reward rate | 12 Edge Miles/₹200 | 4% | 4X reward points |
| Primary reward cap | No monthly cap published | ₹400 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + 8 international/year · ₹50,000 spend in previous 3 calendar months for domestic lounge (waived first 3 months on new issuance) | 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 · Jewellery | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹25,000 | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/axis-magnus-vs-axis-my-zone-vs-icici-emeraldeMore Axis Bank Magnus Credit Card comparisons
- Axis Bank Magnus Credit Card vs 811 Dream Different Credit Card
- Axis Bank Magnus Credit Card vs AU Altura Credit Card
- Axis Bank Magnus Credit Card vs AU Zenith Credit Card
- Axis Bank Magnus Credit Card vs American Express Gold Card
- Axis Bank Magnus Credit Card vs American Express Platinum Travel Card
- Axis Bank Magnus Credit Card vs American Express SmartEarn Credit Card
- Axis Bank Magnus Credit Card vs Amex Membership Rewards CC
- Axis Bank Magnus Credit Card vs Axis Bank ACE Credit Card
- Axis Bank Magnus Credit Card vs Axis Bank Airtel Credit Card
- Axis Bank Magnus Credit Card vs Axis Bank Atlas Credit Card
- Axis Bank Magnus Credit Card vs Axis Bank Flipkart Credit Card
- Axis Bank Magnus Credit Card vs Axis Bank Neo Credit Card