Side-by-side · honest numbers
HDFC 6E Rewards Credit Card vs ICICI Bank Emeralde Private Metal Credit Card vs IndusInd Bank Avios Visa Infinite Credit Card
Honest side-by-side comparison of HDFC 6E Rewards Credit Card, ICICI Bank Emeralde Private Metal Credit Card, IndusInd Bank Avios Visa Infinite 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, HDFC 6E Rewards Credit Card ranks first for estimated net annual value — ahead of IndusInd Bank Avios Visa Infinite Credit Card by about ₹8,916/yr.
| Feature | HDFC 6E Rewards Credit Card HDFC Bank | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹12,000 | ₹10,000 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | No waiver published |
| Min income | ₹25,000/mo | ₹1,00,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹380/yr | -₹8,952/yr | -₹8,536/yr |
| Travel | 5 pts per ₹150 spend → ₹42/mo (₹500/yr) | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 5X reward points | 4X reward points | 5X Avios 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 | Unlimited 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 · Wallet | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC 6E Rewards Credit Card has the lowest annual fee at ₹500.
- Which card earns more on moderate spend?
- HDFC 6E Rewards Credit Card leads with an estimated ₹380/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC 6E Rewards Credit Card 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.
HDFC 6E Rewards Credit Card
HDFC Bank
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank
IndusInd Bank Avios Visa Infinite Credit Card
IndusInd Bank
Your adjusted comparison
| Feature | HDFC BankPlatinum HDFC 6E Rewards Credit Card •••• •••• •••• 4242 Quick facts HDFC 6E Rewards Credit Card Top reward5X reward points Annual fee₹500 Min income₹25,000/mo Tap to flip back HDFC 6E Rewards Credit Card HDFC 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 | IndusInd BankInfinite IndusInd Bank Avios Visa Infinite Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Avios Visa Infinite Credit Card Top reward5X Avios points Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹12,000 | ₹10,000 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | No waiver published |
| Min income | ₹25,000/mo | ₹1,00,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹380/yr | -₹8,952/yr | -₹8,536/yr |
| Travel | 5 pts per ₹150 spend → ₹42/mo (₹500/yr) | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 5X reward points | 4X reward points | 5X Avios 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 | Unlimited 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 · Wallet | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/hdfc-6e-rewards-vs-icici-emeralde-vs-indusind-aviosMore HDFC 6E Rewards Credit Card comparisons
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