Side-by-side · honest numbers
ICICI Bank Emeralde Private Metal Credit Card vs IDFC FIRST HPCL Power+ Credit Card
Honest side-by-side comparison of ICICI Bank Emeralde Private Metal Credit Card, IDFC FIRST HPCL Power+ Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank
IDFC FIRST HPCL Power+ Credit Card
IDFC FIRST Bank
Your adjusted comparison
| Feature | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹12,000 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹1,50,000/yr spend |
| Min income | ₹1,00,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹11,808/yr | ₹2,260/yr |
| Groceries (offline) | — | ₹5,000 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) |
| Fuel | — | ₹3,000 → 600 pts/mo × ₹0.25/pt = ₹150/mo (₹1,800/yr) · issuer max ₹5,000/mo |
| Travel | ₹3,000 → 120 pts/mo × ₹0.40/pt = ₹48/mo (₹576/yr) | — |
| Top reward rate | 4X reward points | 30 pts/₹150 |
| Primary reward cap | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | Domestic & international lounge — verify spend-linked rules on MITC · Jan 2026: several ICICI premium cards moved to spend-linked lounge; confirm threshold on issuer site | 1 domestic airport lounge visit per quarter · Lounge gated on ₹20,000 spend in the previous calendar month |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Gaming | EMI · Rent · Wallet · Insurance |
| Bonuses | ||
| Signup bonus | — | ₹500 |
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https://cardhungry.com/in/en/compare/icici-emeralde-vs-idfc-hpcl-power-plusReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, IDFC FIRST HPCL Power+ Credit Card leads ICICI Bank Emeralde Private Metal Credit Card by about ₹14,068/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹12,000 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹1,50,000/yr spend |
| Min income | ₹1,00,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹11,808/yr | ₹2,260/yr |
| Groceries (offline) | — | ₹5,000 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) |
| Fuel | — | ₹3,000 → 600 pts/mo × ₹0.25/pt = ₹150/mo (₹1,800/yr) · issuer max ₹5,000/mo |
| Travel | ₹3,000 → 120 pts/mo × ₹0.40/pt = ₹48/mo (₹576/yr) | — |
| Top reward rate | 4X reward points | 30 pts/₹150 |
| Primary reward cap | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | Domestic & international lounge — verify spend-linked rules on MITC · Jan 2026: several ICICI premium cards moved to spend-linked lounge; confirm threshold on issuer site | 1 domestic airport lounge visit per quarter · Lounge gated on ₹20,000 spend in the previous calendar month |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Gaming | EMI · Rent · Wallet · Insurance |
| Bonuses | ||
| Signup bonus | — | ₹500 |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST HPCL Power+ Credit Card has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- IDFC FIRST HPCL Power+ Credit Card leads with an estimated ₹2,260/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IDFC FIRST HPCL Power+ 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.
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