Side-by-side · honest numbers
ICICI Bank Emeralde Private Metal Credit Card vs IDFC FIRST HPCL Power+ Credit Card vs OneCard Metal Credit Card
Honest side-by-side comparison of ICICI Bank Emeralde Private Metal Credit Card, IDFC FIRST HPCL Power+ Credit Card, OneCard Metal 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, OneCard Metal Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST HPCL Power+ Credit Card by about ₹600/yr.
| Feature | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | OneCard Metal Credit Card OneCard (BOB/FPL) |
|---|---|---|---|
| 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 | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹8,952/yr | ₹3,360/yr | ₹3,960/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) | — | — |
| Top reward rate | 4X reward points | 30 pts/₹150 | 1% cashback |
| 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 | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet · Insurance | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | ₹500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- OneCard Metal Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- OneCard Metal Credit Card leads with an estimated ₹3,960/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- OneCard Metal Credit Card lists a minimum monthly income of ₹15,000.
- 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 HPCL Power+ Credit Card
IDFC FIRST Bank
OneCard Metal Credit Card
OneCard (BOB/FPL)
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 | OneCard (BOB/FPL)Metal OneCard Metal Credit Card •••• •••• •••• 4242 Quick facts OneCard Metal Credit Card Top reward1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back OneCard Metal Credit Card OneCard (BOB/FPL) |
|---|---|---|---|
| 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 | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹8,952/yr | ₹3,360/yr | ₹3,960/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) | — | — |
| Top reward rate | 4X reward points | 30 pts/₹150 | 1% cashback |
| 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 | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet · Insurance | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | ₹500 | — |
Share this comparison
https://cardhungry.com/in/en/compare/icici-emeralde-vs-idfc-hpcl-power-plus-vs-onecardMore 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