Side-by-side · honest numbers
Axis Bank Magnus Credit Card vs ICICI Bank Emeralde Private Metal Credit Card vs YES Bank Marquee Credit Card
Honest side-by-side comparison of Axis Bank Magnus Credit Card, ICICI Bank Emeralde Private Metal Credit Card, YES Bank Marquee 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 YES Bank Marquee Credit Card by about ₹17,281/yr.
| Feature | Axis Bank Magnus Credit Card Axis Bank | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | YES Bank Marquee Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹12,000 | ₹999 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹1,00,000/mo | ₹1,00,000/mo | ₹40,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹17,252/yr | -₹8,952/yr | -₹29/yr |
| Travel | 12 pts per ₹200 spend → ₹120/mo (₹1,440/yr) | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | 4 pts per ₹150 spend → ₹33/mo (₹400/yr) |
| Top reward rate | 12 Edge Miles/₹200 | 4X reward points | 4 RP/₹150 |
| 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 access · No minimum spend required for lounge access | Domestic lounge access · Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs |
| 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 |
| Bonuses | |||
| Signup bonus | ₹25,000 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- YES Bank Marquee Credit Card has the lowest annual fee at ₹999.
- 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?
- YES Bank Marquee Credit Card lists a minimum monthly income of ₹40,000.
- 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
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank
YES Bank Marquee Credit Card
YES 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 | 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 | YES BankPlatinum YES Bank Marquee Credit Card •••• •••• •••• 4242 Quick facts YES Bank Marquee Credit Card Top reward4 RP/₹150 Annual fee₹999 Min income₹40,000/mo Tap to flip back YES Bank Marquee Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹12,000 | ₹999 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹1,00,000/mo | ₹1,00,000/mo | ₹40,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹17,252/yr | -₹8,952/yr | -₹29/yr |
| Travel | 12 pts per ₹200 spend → ₹120/mo (₹1,440/yr) | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | 4 pts per ₹150 spend → ₹33/mo (₹400/yr) |
| Top reward rate | 12 Edge Miles/₹200 | 4X reward points | 4 RP/₹150 |
| 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 access · No minimum spend required for lounge access | Domestic lounge access · Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs |
| 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 |
| Bonuses | |||
| Signup bonus | ₹25,000 | — | — |
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