Side-by-side · honest numbers
ICICI Bank Emeralde Private Metal Credit Card vs IDFC Ashva Gold (FD) vs IDFC FIRST WOW Credit Card
Honest side-by-side comparison of ICICI Bank Emeralde Private Metal Credit Card, IDFC Ashva Gold (FD), IDFC FIRST WOW 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, IDFC Ashva Gold (FD) ranks first for estimated net annual value — ahead of IDFC FIRST WOW Credit Card by about ₹800/yr.
| Feature | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | IDFC Ashva Gold (FD) IDFC FIRST Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,000 | Lifetime free | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free | Lifetime free |
| Min income | ₹1,00,000/mo | Not stated | Not stated |
| Secured / FD-backed | Standard | FD-backed | FD-backed |
| Rewards | |||
| Net annual value (moderate) | -₹8,952/yr | ₹1,600/yr | ₹800/yr |
| Travel | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | — | — |
| Top reward rate | 4X reward points | 2X reward points | 1X reward points |
| 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 lounge with FD ≥ ₹25K · FD-backed card — lounge tied to minimum ₹25,000 fixed deposit, not monthly spend | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs |
| Key exclusions | EMI · Fuel · Rent · Wallet | Not stated | Not stated |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC Ashva Gold (FD) has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- IDFC Ashva Gold (FD) leads with an estimated ₹1,600/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- ICICI Bank Emeralde Private Metal Credit Card lists a minimum monthly income of ₹1,00,000.
- Which cards are secured (FD-backed)?
- IDFC Ashva Gold (FD), IDFC FIRST WOW Credit Card are 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
IDFC Ashva Gold (FD)
IDFC FIRST Bank
IDFC FIRST WOW Credit Card
IDFC FIRST Bank
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 | IDFC FIRST BankGold IDFC Ashva Gold (FD) •••• •••• •••• 4242 Quick facts IDFC Ashva Gold (FD) Top reward2X reward points Annual feeLifetime Free Tap to flip back IDFC Ashva Gold (FD) IDFC FIRST Bank | IDFC FIRST BankClassic IDFC FIRST WOW Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST WOW Credit Card Top reward1X reward points Annual feeLifetime Free Tap to flip back IDFC FIRST WOW Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,000 | Lifetime free | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free | Lifetime free |
| Min income | ₹1,00,000/mo | Not stated | Not stated |
| Secured / FD-backed | Standard | FD-backed | FD-backed |
| Rewards | |||
| Net annual value (moderate) | -₹8,952/yr | ₹1,600/yr | ₹800/yr |
| Travel | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | — | — |
| Top reward rate | 4X reward points | 2X reward points | 1X reward points |
| 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 lounge with FD ≥ ₹25K · FD-backed card — lounge tied to minimum ₹25,000 fixed deposit, not monthly spend | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs |
| Key exclusions | EMI · Fuel · Rent · Wallet | Not stated | Not stated |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/icici-emeralde-vs-idfc-ashva-gold-vs-idfc-first-wowMore ICICI Bank Emeralde Private Metal Credit Card comparisons
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