Side-by-side · honest numbers
ICICI Bank Emeralde Private Metal Credit Card vs IDFC FIRST Millennia Credit Card
Honest side-by-side comparison of ICICI Bank Emeralde Private Metal Credit Card, IDFC FIRST Millennia 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 FIRST Millennia Credit Card leads ICICI Bank Emeralde Private Metal Credit Card by about ₹13,664/yr in estimated net value.
| Feature | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | IDFC FIRST Millennia Credit Card IDFC FIRST Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹12,000 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ₹1,00,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹8,952/yr | ₹4,712/yr |
| Online shopping | — | 3% cashback → ₹300/mo (₹3,600/yr) |
| Travel | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | — |
| Top reward rate | 4X reward points | 3% |
| Primary reward cap | No monthly cap published | ₹1,000 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | Unlimited domestic & international lounge access · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Earns: 3% on online; 0.5% on other eligible spends · cap ₹1,000/month online cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Rent |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST Millennia Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- IDFC FIRST Millennia Credit Card leads with an estimated ₹4,712/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IDFC FIRST Millennia 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.
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank
IDFC FIRST Millennia 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 FIRST Millennia Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST Millennia Credit Card Top reward3% Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IDFC FIRST Millennia Credit Card IDFC FIRST Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹12,000 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ₹1,00,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹8,952/yr | ₹4,712/yr |
| Online shopping | — | 3% cashback → ₹300/mo (₹3,600/yr) |
| Travel | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | — |
| Top reward rate | 4X reward points | 3% |
| Primary reward cap | No monthly cap published | ₹1,000 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | Unlimited domestic & international lounge access · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Earns: 3% on online; 0.5% on other eligible spends · cap ₹1,000/month online cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Rent |
| Bonuses | ||
| Signup bonus | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/icici-emeralde-vs-idfc-first-millenniaMore 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