Side-by-side · honest numbers
Axis Bank My Zone Credit Card vs ICICI Coral Credit Card vs ICICI Bank Emeralde Private Metal Credit Card
Honest side-by-side comparison of Axis Bank My Zone Credit Card, ICICI Coral 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 My Zone Credit Card ranks first for estimated net annual value — ahead of ICICI Coral Credit Card by about ₹3,880/yr.
| Feature | Axis Bank My Zone Credit Card Axis Bank | ICICI Coral Credit Card ICICI Bank | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹500 | ₹12,000 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹20,000/mo | ₹30,000/mo | ₹1,00,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,970/yr | ₹90/yr | -₹8,952/yr |
| Dining & delivery | 4% cashback → ₹160/mo (₹1,920/yr) | — | — |
| Travel | — | — | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) |
| Top reward rate | 4% | 2 RP/₹100 | 4X reward points |
| Primary reward cap | ₹400 rewards/mo cap | ₹100/ticket | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Railway lounge access at select stations · Complimentary railway lounge — no spend gate stated in public T&Cs | 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 | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | — |
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 My Zone Credit Card leads with an estimated ₹3,970/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 My Zone Credit Card
Axis Bank
ICICI Coral Credit Card
ICICI Bank
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank
Your adjusted comparison
| Feature | 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 BankGold ICICI Coral Credit Card •••• •••• •••• 4242 Quick facts ICICI Coral Credit Card Top reward2 RP/₹100 Annual fee₹500 Min income₹30,000/mo Tap to flip back ICICI Coral Credit Card ICICI 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 | No waiver published | No waiver published | No waiver published |
| Min income | ₹20,000/mo | ₹30,000/mo | ₹1,00,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,970/yr | ₹90/yr | -₹8,952/yr |
| Dining & delivery | 4% cashback → ₹160/mo (₹1,920/yr) | — | — |
| Travel | — | — | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) |
| Top reward rate | 4% | 2 RP/₹100 | 4X reward points |
| Primary reward cap | ₹400 rewards/mo cap | ₹100/ticket | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Railway lounge access at select stations · Complimentary railway lounge — no spend gate stated in public T&Cs | 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 | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/axis-my-zone-vs-icici-coral-vs-icici-emeraldeMore Axis Bank My Zone Credit Card comparisons
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