Side-by-side · honest numbers
Bajaj Finserv DBS Bank SuperCard vs ICICI Bank Emeralde Private Metal Credit Card vs Kotak Royale Signature Credit Card
Honest side-by-side comparison of Bajaj Finserv DBS Bank SuperCard, ICICI Bank Emeralde Private Metal Credit Card, Kotak Royale Signature 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, Bajaj Finserv DBS Bank SuperCard ranks first for estimated net annual value — ahead of Kotak Royale Signature Credit Card by about ₹40/yr.
| Feature | Bajaj Finserv DBS Bank SuperCard DBS Bank | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | Kotak Royale Signature Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | ₹12,000 | ₹999 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | Waived at ₹1,00,000/yr spend |
| Min income | ₹25,000/mo | ₹1,00,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹180/yr | -₹8,952/yr | ₹140/yr |
| Online shopping | 2 pts per ₹150 spend → ₹33/mo (₹400/yr) | — | — |
| Fuel | — | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) |
| Travel | — | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | — |
| Top reward rate | 2X reward points | 4X reward points | 2X reward points |
| Primary reward cap | No monthly cap published | 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 | Limited domestic lounge visits — verify on issuer site |
| 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 · Wallet |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Bajaj Finserv DBS Bank SuperCard has the lowest annual fee at ₹999.
- Which card earns more on moderate spend?
- Bajaj Finserv DBS Bank SuperCard leads with an estimated ₹180/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Bajaj Finserv DBS Bank SuperCard lists a minimum monthly income of ₹25,000.
- 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.
Bajaj Finserv DBS Bank SuperCard
DBS Bank
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank
Kotak Royale Signature Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | DBS BankGold Bajaj Finserv DBS Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv DBS Bank SuperCard Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv DBS Bank SuperCard DBS 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 | Kotak Mahindra BankSignature Kotak Royale Signature Credit Card •••• •••• •••• 4242 Quick facts Kotak Royale Signature Credit Card Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Kotak Royale Signature Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | ₹12,000 | ₹999 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | Waived at ₹1,00,000/yr spend |
| Min income | ₹25,000/mo | ₹1,00,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹180/yr | -₹8,952/yr | ₹140/yr |
| Online shopping | 2 pts per ₹150 spend → ₹33/mo (₹400/yr) | — | — |
| Fuel | — | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) |
| Travel | — | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | — |
| Top reward rate | 2X reward points | 4X reward points | 2X reward points |
| Primary reward cap | No monthly cap published | 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 | Limited domestic lounge visits — verify on issuer site |
| 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 · Wallet |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/bajaj-dbs-supercard-vs-icici-emeralde-vs-kotak-royaleMore Bajaj Finserv DBS Bank SuperCard comparisons
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