Side-by-side · honest numbers
ICICI Bank Emeralde Private Metal Credit Card vs ICICI Sapphiro Credit Card vs SBI Card against Fixed Deposit
Honest side-by-side comparison of ICICI Bank Emeralde Private Metal Credit Card, ICICI Sapphiro Credit Card, SBI Card against Fixed Deposit — 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, ICICI Sapphiro Credit Card ranks first for estimated net annual value — ahead of SBI Card against Fixed Deposit by about ₹1,786/yr.
| Feature | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | ICICI Sapphiro Credit Card ICICI Bank | SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,000 | ₹3,500 | Lifetime free |
| Fee waiver threshold | No waiver published | No waiver published | Lifetime free |
| Min income | ₹1,00,000/mo | ₹75,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | -₹8,952/yr | ₹3,556/yr | ₹1,770/yr |
| Travel | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | — | — |
| Top reward rate | 4X reward points | 4 RP/₹100 | 80% of FD value |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic & international lounge access · No minimum spend required for lounge access | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | Not stated |
| Bonuses | |||
| Signup bonus | — | ₹4,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Card against Fixed Deposit has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- ICICI Sapphiro Credit Card leads with an estimated ₹3,556/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- ICICI Sapphiro Credit Card lists a minimum monthly income of ₹75,000.
- Which cards are secured (FD-backed)?
- SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
- 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.
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank
ICICI Sapphiro Credit Card
ICICI Bank
SBI Card against Fixed Deposit
SBI Card
Your adjusted comparison
| Feature | 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 | ICICI BankPlatinum ICICI Sapphiro Credit Card •••• •••• •••• 4242 Quick facts ICICI Sapphiro Credit Card Top reward4 RP/₹100 Annual fee₹3,500 Min income₹75,000/mo Tap to flip back ICICI Sapphiro Credit Card ICICI Bank | SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,000 | ₹3,500 | Lifetime free |
| Fee waiver threshold | No waiver published | No waiver published | Lifetime free |
| Min income | ₹1,00,000/mo | ₹75,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | -₹8,952/yr | ₹3,556/yr | ₹1,770/yr |
| Travel | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | — | — |
| Top reward rate | 4X reward points | 4 RP/₹100 | 80% of FD value |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic & international lounge access · No minimum spend required for lounge access | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | Not stated |
| Bonuses | |||
| Signup bonus | — | ₹4,000 | — |
Share this comparison
https://cardhungry.com/in/en/compare/icici-emeralde-vs-icici-sapphiro-vs-sbi-fd-securedMore ICICI Bank Emeralde Private Metal Credit Card comparisons
- ICICI Bank Emeralde Private Metal Credit Card vs 811 Dream Different Credit Card
- ICICI Bank Emeralde Private Metal Credit Card vs AU Altura Credit Card
- ICICI Bank Emeralde Private Metal Credit Card vs AU Zenith Credit Card
- ICICI Bank Emeralde Private Metal Credit Card vs American Express Gold Card
- ICICI Bank Emeralde Private Metal Credit Card vs American Express Platinum Travel Card
- ICICI Bank Emeralde Private Metal Credit Card vs American Express SmartEarn Credit Card
- ICICI Bank Emeralde Private Metal Credit Card vs Amex Membership Rewards CC
- ICICI Bank Emeralde Private Metal Credit Card vs Axis Bank ACE Credit Card
- ICICI Bank Emeralde Private Metal Credit Card vs Axis Bank Airtel Credit Card
- ICICI Bank Emeralde Private Metal Credit Card vs Axis Bank Atlas Credit Card
- ICICI Bank Emeralde Private Metal Credit Card vs Axis Bank Flipkart Credit Card
- ICICI Bank Emeralde Private Metal Credit Card vs Axis Bank Magnus Credit Card