Side-by-side · honest numbers
ICICI Bank Emeralde Private Metal Credit Card vs IndusInd Bank Avios Visa Infinite Credit Card vs SBI Cashback Credit Card
Honest side-by-side comparison of ICICI Bank Emeralde Private Metal Credit Card, IndusInd Bank Avios Visa Infinite Credit Card, SBI Cashback 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, SBI Cashback Credit Card ranks first for estimated net annual value — ahead of IndusInd Bank Avios Visa Infinite Credit Card by about ₹15,286/yr.
| Feature | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank | SBI Cashback Credit Card SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,000 | ₹10,000 | ₹999 |
| Fee waiver threshold | No waiver published | No waiver published | Waived at ₹2,00,000/yr spend |
| Min income | ₹1,00,000/mo | ₹75,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹8,952/yr | -₹8,536/yr | ₹6,750/yr |
| Online shopping | — | — | 5% cashback → ₹500/mo (₹6,000/yr) |
| Travel | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — |
| Top reward rate | 4X reward points | 5X Avios points | 5% |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹2,000 rewards/mo cap |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic & international lounge access · No minimum spend required for lounge access | Unlimited lounge access · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | Fuel · Utilities · Insurance · Rent · Wallet loads |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Cashback Credit Card has the lowest annual fee at ₹999.
- Which card earns more on moderate spend?
- SBI Cashback Credit Card leads with an estimated ₹6,750/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI Cashback Credit Card lists a minimum monthly income of ₹25,000.
- 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
IndusInd Bank Avios Visa Infinite Credit Card
IndusInd Bank
SBI Cashback Credit Card
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 | IndusInd BankInfinite IndusInd Bank Avios Visa Infinite Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Avios Visa Infinite Credit Card Top reward5X Avios points Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank | SBI CardGold SBI Cashback Credit Card •••• •••• •••• 4242 Quick facts SBI Cashback Credit Card Top reward5% Annual fee₹999 Min income₹25,000/mo Tap to flip back SBI Cashback Credit Card SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,000 | ₹10,000 | ₹999 |
| Fee waiver threshold | No waiver published | No waiver published | Waived at ₹2,00,000/yr spend |
| Min income | ₹1,00,000/mo | ₹75,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹8,952/yr | -₹8,536/yr | ₹6,750/yr |
| Online shopping | — | — | 5% cashback → ₹500/mo (₹6,000/yr) |
| Travel | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — |
| Top reward rate | 4X reward points | 5X Avios points | 5% |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹2,000 rewards/mo cap |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic & international lounge access · No minimum spend required for lounge access | Unlimited lounge access · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | Fuel · Utilities · Insurance · Rent · Wallet loads |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/icici-emeralde-vs-indusind-avios-vs-sbi-cashbackMore ICICI Bank Emeralde Private Metal Credit Card comparisons
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