Side-by-side · honest numbers
Axis Bank Magnus Credit Card vs Axis Bank Reserve Credit Card vs ICICI Bank Emeralde Private Metal Credit Card
Honest side-by-side comparison of Axis Bank Magnus Credit Card, Axis Bank Reserve 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.
Same spend profile for all cards. How we calculate net annual value
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
Axis Bank Magnus Credit Card
Axis Bank
Axis Bank Reserve Credit Card
Axis Bank
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank
Your adjusted comparison
| Feature | Axis Bank Magnus Credit Card Axis Bank | Axis Bank Reserve Credit Card Axis Bank | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹50,000 | ₹12,000 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹1,00,000/mo | ₹1,00,000/mo | ₹1,00,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹11,102/yr | -₹54,860/yr | -₹11,808/yr |
| Travel | ₹3,000 → 180 pts/mo × ₹0.40/pt = ₹72/mo (₹864/yr) | — | ₹3,000 → 120 pts/mo × ₹0.40/pt = ₹48/mo (₹576/yr) |
| Top reward rate | 12 Edge Miles/₹200 | 15 EDGE Reward Points/₹200 | 4X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | 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) | Unlimited domestic & international lounge · Verify current Axis MITC for spend-linked lounge rules on Reserve | Domestic & international lounge — verify spend-linked rules on MITC · Jan 2026: several ICICI premium cards moved to spend-linked lounge; confirm threshold on issuer site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Jewellery | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet · Gaming |
| Bonuses | |||
| Signup bonus | ₹25,000 | — | — |
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https://cardhungry.com/in/en/compare/axis-magnus-vs-axis-reserve-vs-icici-emeraldeReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis Bank Magnus Credit Card ranks first for estimated net annual value — ahead of ICICI Bank Emeralde Private Metal Credit Card by about ₹706/yr.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | Axis Bank Magnus Credit Card Axis Bank | Axis Bank Reserve Credit Card Axis Bank | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹50,000 | ₹12,000 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹1,00,000/mo | ₹1,00,000/mo | ₹1,00,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹11,102/yr | -₹54,860/yr | -₹11,808/yr |
| Travel | ₹3,000 → 180 pts/mo × ₹0.40/pt = ₹72/mo (₹864/yr) | — | ₹3,000 → 120 pts/mo × ₹0.40/pt = ₹48/mo (₹576/yr) |
| Top reward rate | 12 Edge Miles/₹200 | 15 EDGE Reward Points/₹200 | 4X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | 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) | Unlimited domestic & international lounge · Verify current Axis MITC for spend-linked lounge rules on Reserve | Domestic & international lounge — verify spend-linked rules on MITC · Jan 2026: several ICICI premium cards moved to spend-linked lounge; confirm threshold on issuer site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Jewellery | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet · Gaming |
| Bonuses | |||
| Signup bonus | ₹25,000 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- ICICI Bank Emeralde Private Metal Credit Card has the lowest annual fee at ₹12,000.
- Which card earns more on moderate spend?
- Axis Bank Magnus Credit Card leads with an estimated -₹11,102/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank Magnus Credit Card lists a minimum monthly income of ₹1,00,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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