Which card has the lower annual fee?

IRCTC ICICI Bank Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

IDFC FIRST HPCL Power+ Credit Card leads with an estimated ₹3,360/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.

Side-by-side · honest numbers

ICICI Bank Emeralde Private Metal Credit Card vs IDFC FIRST HPCL Power+ Credit Card vs IRCTC ICICI Bank Credit Card

Honest side-by-side comparison of ICICI Bank Emeralde Private Metal Credit Card, IDFC FIRST HPCL Power+ Credit Card, IRCTC ICICI Bank 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 HPCL Power+ Credit Card ranks first for estimated net annual value — ahead of IRCTC ICICI Bank Credit Card by about ₹2,480/yr.

ICICI Bank Emeralde Private Metal Credit Card vs IDFC FIRST HPCL Power+ Credit Card vs IRCTC ICICI Bank Credit Card comparison table
Feature	ICICI Bank Emeralde Private Metal Credit Card ICICI Bank	IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank	IRCTC ICICI Bank Credit Card ICICI Bank
Fees & eligibility
Annual fee	₹12,000	₹499	Lifetime free
Fee waiver threshold	No waiver published	Waived at ₹1,50,000/yr spend	Lifetime free
Min income	₹1,00,000/mo	₹20,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-₹8,952/yr	₹3,360/yr	₹880/yr
Groceries (offline)	—	5 pts per ₹150 spend → ₹50/mo (₹600/yr)	—
Fuel	—	30 pts per ₹150 spend → ₹200/mo (₹2,400/yr)	—
Travel	6 pts per ₹150 spend → ₹80/mo (₹960/yr)	—	10 pts per ₹150 spend → ₹83/mo (₹1,000/yr)
Top reward rate	4X reward points	30 pts/₹150	10% reward points
Primary reward cap	No monthly cap published	₹5,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	Unlimited domestic & international lounge access · No minimum spend required for lounge access	None	Complimentary railway lounge access at select IRCTC partner stations · Railway lounge benefit — no spend milestone in public T&Cs
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Rent · Wallet · Insurance	EMI · Fuel · Rent
Bonuses
Signup bonus	—	₹500	—

Frequently asked questions

Which card has the lower annual fee?: IRCTC ICICI Bank Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: IDFC FIRST HPCL Power+ Credit Card leads with an estimated ₹3,360/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.

Customize your spend

Change spend profile or swap cards — results update live below.

Card 1

ICICI Bank Emeralde Private Metal Credit Card

ICICI Bank

Card 2

IDFC FIRST HPCL Power+ Credit Card

IDFC FIRST Bank

Card 3

IRCTC ICICI Bank Credit Card

ICICI 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 HPCL Power+ Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST HPCL Power+ Credit Card Top reward30 pts/₹150 Annual fee₹499 Min income₹20,000/mo Tap to flip back IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank	ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI Bank
Fees & eligibility
Annual fee	₹12,000	₹499	Lifetime free
Fee waiver threshold	No waiver published	Waived at ₹1,50,000/yr spend	Lifetime free
Min income	₹1,00,000/mo	₹20,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-₹8,952/yr	₹3,360/yr	₹880/yr
Groceries (offline)	—	5 pts per ₹150 spend → ₹50/mo (₹600/yr)	—
Fuel	—	30 pts per ₹150 spend → ₹200/mo (₹2,400/yr)	—
Travel	6 pts per ₹150 spend → ₹80/mo (₹960/yr)	—	10 pts per ₹150 spend → ₹83/mo (₹1,000/yr)
Top reward rate	4X reward points	30 pts/₹150	10% reward points
Primary reward cap	No monthly cap published	₹5,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	Unlimited domestic & international lounge access · No minimum spend required for lounge access	None	Complimentary railway lounge access at select IRCTC partner stations · Railway lounge benefit — no spend milestone in public T&Cs
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Rent · Wallet · Insurance	EMI · Fuel · Rent
Bonuses
Signup bonus	—	₹500	—

ICICI Bank Emeralde Private Metal Credit Card details →IDFC FIRST HPCL Power+ Credit Card details →IRCTC ICICI Bank Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More ICICI Bank Emeralde Private Metal Credit Card comparisons