Side-by-side · honest numbers
Axis Bank My Zone Credit Card vs ICICI Bank Emeralde Private Metal Credit Card vs IDFC FIRST Select Credit Card
Honest side-by-side comparison of Axis Bank My Zone Credit Card, ICICI Bank Emeralde Private Metal Credit Card, IDFC FIRST Select 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 IDFC FIRST Select Credit Card by about ₹1,900/yr.
| Feature | Axis Bank My Zone Credit Card Axis Bank | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | IDFC FIRST Select Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹12,000 | Lifetime free |
| Fee waiver threshold | No waiver published | No waiver published | Lifetime free |
| Min income | ₹20,000/mo | ₹1,00,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,970/yr | -₹8,952/yr | ₹2,070/yr |
| Dining & delivery | 4% cashback → ₹160/mo (₹1,920/yr) | — | — |
| Travel | — | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | — |
| Top reward rate | 4% | 4X reward points | 3X reward points |
| Primary reward cap | ₹400 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic & international lounge access · No minimum spend required for lounge access | 2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST Select Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- 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 Bank Emeralde Private Metal Credit Card
ICICI Bank
IDFC FIRST Select Credit Card
IDFC FIRST 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 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 | IDFC FIRST BankPlatinum IDFC FIRST Select Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST Select Credit Card Top reward3X reward points Annual feeLifetime Free Min income₹30,000/mo Tap to flip back IDFC FIRST Select Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹12,000 | Lifetime free |
| Fee waiver threshold | No waiver published | No waiver published | Lifetime free |
| Min income | ₹20,000/mo | ₹1,00,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,970/yr | -₹8,952/yr | ₹2,070/yr |
| Dining & delivery | 4% cashback → ₹160/mo (₹1,920/yr) | — | — |
| Travel | — | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | — |
| Top reward rate | 4% | 4X reward points | 3X reward points |
| Primary reward cap | ₹400 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic & international lounge access · No minimum spend required for lounge access | 2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/axis-my-zone-vs-icici-emeralde-vs-idfc-first-selectMore Axis Bank My Zone Credit Card comparisons
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