Side-by-side · honest numbers
ICICI Bank Emeralde Private Metal Credit Card vs IndusInd Bank Avios Visa Infinite Credit Card vs Standard Chartered Smart Card
Honest side-by-side comparison of ICICI Bank Emeralde Private Metal Credit Card, IndusInd Bank Avios Visa Infinite Credit Card, Standard Chartered Smart 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, Standard Chartered Smart Card ranks first for estimated net annual value — ahead of IndusInd Bank Avios Visa Infinite Credit Card by about ₹12,267/yr.
| Feature | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank | Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,000 | ₹10,000 | ₹499 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹1,00,000/mo | ₹75,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹8,952/yr | -₹8,536/yr | ₹3,731/yr |
| Online shopping | — | — | 2% cashback → ₹200/mo (₹2,400/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 | 2% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| 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 | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Standard Chartered Smart Card has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- Standard Chartered Smart Card leads with an estimated ₹3,731/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Standard Chartered Smart Card lists a minimum monthly income of ₹30,000.
- 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
Standard Chartered Smart Card
Standard Chartered
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 | Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,000 | ₹10,000 | ₹499 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹1,00,000/mo | ₹75,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹8,952/yr | -₹8,536/yr | ₹3,731/yr |
| Online shopping | — | — | 2% cashback → ₹200/mo (₹2,400/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 | 2% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| 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 | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/icici-emeralde-vs-indusind-avios-vs-sc-smartMore ICICI Bank Emeralde Private Metal Credit Card comparisons
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