Side-by-side · honest numbers
ICICI Bank Emeralde Private Metal Credit Card vs IDFC FIRST Millennia Credit Card vs SBI Card against Fixed Deposit
Honest side-by-side comparison of ICICI Bank Emeralde Private Metal Credit Card, IDFC FIRST Millennia 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, IDFC FIRST Millennia Credit Card ranks first for estimated net annual value — ahead of SBI Card against Fixed Deposit by about ₹2,942/yr.
| Feature | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | IDFC FIRST Millennia Credit Card IDFC FIRST Bank | SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| 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 | ₹20,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | -₹8,952/yr | ₹4,712/yr | ₹1,770/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% | 80% of FD value |
| Primary reward cap | No monthly cap published | ₹1,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic & international lounge access · No minimum spend required for lounge access | None | None |
| UPI rewards | Not supported (Visa/MC) | Earns: 3% on online; 0.5% on other eligible spends · cap ₹1,000/month online cashback cap | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Rent | Not stated |
| 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.
- 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
IDFC FIRST Millennia Credit Card
IDFC FIRST 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 | 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 | 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 | Lifetime free | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free | Lifetime free |
| Min income | ₹1,00,000/mo | ₹20,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | -₹8,952/yr | ₹4,712/yr | ₹1,770/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% | 80% of FD value |
| Primary reward cap | No monthly cap published | ₹1,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic & international lounge access · No minimum spend required for lounge access | None | None |
| UPI rewards | Not supported (Visa/MC) | Earns: 3% on online; 0.5% on other eligible spends · cap ₹1,000/month online cashback cap | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Rent | Not stated |
| Bonuses | |||
| Signup bonus | — | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/icici-emeralde-vs-idfc-first-millennia-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