Side-by-side · honest numbers
ICICI Bank Emeralde Private Metal Credit Card vs IDFC FIRST HPCL Power+ Credit Card vs RBL World Safari
Honest side-by-side comparison of ICICI Bank Emeralde Private Metal Credit Card, IDFC FIRST HPCL Power+ Credit Card, RBL World Safari — 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 RBL World Safari by about ₹1,392/yr.
| Feature | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | RBL World Safari RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,000 | ₹499 | ₹3,000 |
| Fee waiver threshold | No waiver published | Waived at ₹1,50,000/yr spend | No waiver published |
| Min income | ₹1,00,000/mo | ₹20,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹8,952/yr | ₹3,360/yr | ₹1,968/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) | — | 4 pts per ₹150 spend → ₹40/mo (₹480/yr) |
| Top reward rate | 4X reward points | 30 pts/₹150 | 4X 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 | 2 domestic/quarter + 2 intl/year (Priority Pass) · ₹35,000/quarter retail spend for domestic lounge from Jul 2025; bonus PP visit at ₹50k/quarter |
| 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 · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹500 | ₹3,000 |
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 ₹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.
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank
IDFC FIRST HPCL Power+ Credit Card
IDFC FIRST Bank
RBL World Safari
RBL 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 | RBL BankPlatinum RBL World Safari •••• •••• •••• 4242 Quick facts RBL World Safari Top reward4X points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back RBL World Safari RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,000 | ₹499 | ₹3,000 |
| Fee waiver threshold | No waiver published | Waived at ₹1,50,000/yr spend | No waiver published |
| Min income | ₹1,00,000/mo | ₹20,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹8,952/yr | ₹3,360/yr | ₹1,968/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) | — | 4 pts per ₹150 spend → ₹40/mo (₹480/yr) |
| Top reward rate | 4X reward points | 30 pts/₹150 | 4X 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 | 2 domestic/quarter + 2 intl/year (Priority Pass) · ₹35,000/quarter retail spend for domestic lounge from Jul 2025; bonus PP visit at ₹50k/quarter |
| 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 · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹500 | ₹3,000 |
ICICI Bank Emeralde Private Metal Credit Card details →IDFC FIRST HPCL Power+ Credit Card details →RBL World Safari details →
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https://cardhungry.com/in/en/compare/icici-emeralde-vs-idfc-hpcl-power-plus-vs-rbl-world-safariMore ICICI Bank Emeralde Private Metal Credit Card comparisons
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