Which card has the lower annual fee?

PhonePe SBI Card SELECT BLACK has the lowest annual fee at ₹1,499.

Which card earns more on moderate spend?

PhonePe SBI Card SELECT BLACK leads with an estimated ₹7,350/yr net annual value on moderate spend.

Which card has the lower income requirement?

PhonePe SBI Card SELECT BLACK 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.

Side-by-side · honest numbers

ICICI Bank Emeralde Private Metal Credit Card vs PhonePe SBI Card SELECT BLACK

Honest side-by-side comparison of ICICI Bank Emeralde Private Metal Credit Card, PhonePe SBI Card SELECT BLACK — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

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

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

ICICI Bank Emeralde Private Metal Credit Card

ICICI Bank

Card 2

PhonePe SBI Card SELECT BLACK

SBI Card

Your adjusted comparison

Feature	ICICI Bank Emeralde Private Metal Metal 6521 6991 5123 9390 Valid thru 12/28 Acc CREDIT Card holder ICICI BANK EMERALDE PR Customer service ICICI Bank · 1800-XXX-XXXX Authorized signature CVV••• ICICI Bank Emeralde Private Metal Credit Card Top reward: 4X reward points Annual fee: ₹12,000 Min income: ₹1,00,000/mo Property of ICICI Bank. If found, return to nearest branch. Not valid unless signed. Tap to flip back ICICI Bank Emeralde Private Metal Credit Card ICICI Bank	SBI Card PhonePe SELECT BLACK 6521 5463 7182 2897 Valid thru 12/28 Acc CREDIT Card holder PHONEPE SBI CARD SELEC Customer service SBI Card · 1800-XXX-XXXX Authorized signature CVV••• PhonePe SBI Card SELECT BLACK Top reward: 10% Annual fee: ₹1,499 Min income: ₹25,000/mo Property of SBI Card. If found, return to nearest branch. Not valid unless signed. Tap to flip back PhonePe SBI Card SELECT BLACK SBI Card
Fees & eligibility
Annual fee	₹12,000	₹1,499
Fee waiver threshold	No waiver published	Waived at ₹3,00,000/yr spend
Min income	₹1,00,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹11,808/yr	₹7,350/yr
Online shopping	—	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo
Travel	₹3,000 → 120 pts/mo × ₹0.40/pt = ₹48/mo (₹576/yr)	—
Utilities & bills	—	₹1,225 × 10% = ₹122.50/mo (₹1,470/yr) · issuer max ₹1,500/mo
Top reward rate	4X reward points	10%
Primary reward cap	No monthly cap published	₹1,500 rewards/mo cap
Perks & restrictions
Lounge access	Domestic & international lounge — verify spend-linked rules on MITC · Jan 2026: several ICICI premium cards moved to spend-linked lounge; confirm threshold on issuer site	4 domestic airport lounge visits per year · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Earns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends
Key exclusions	EMI · Fuel · Rent · Wallet · Gaming	Fuel · Wallet top-ups · Rent · EMI · Cash advance
Bonuses
Signup bonus	—	₹1,500

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

ICICI Bank Emeralde Private Metal Credit Card details →PhonePe SBI Card SELECT BLACK details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, PhonePe SBI Card SELECT BLACK leads ICICI Bank Emeralde Private Metal Credit Card by about ₹19,158/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

ICICI Bank Emeralde Private Metal Credit Card vs PhonePe SBI Card SELECT BLACK comparison table
Feature	ICICI Bank Emeralde Private Metal Credit Card ICICI Bank	PhonePe SBI Card SELECT BLACK SBI Card
Fees & eligibility
Annual fee	₹12,000	₹1,499
Fee waiver threshold	No waiver published	Waived at ₹3,00,000/yr spend
Min income	₹1,00,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹11,808/yr	₹7,350/yr
Online shopping	—	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo
Travel	₹3,000 → 120 pts/mo × ₹0.40/pt = ₹48/mo (₹576/yr)	—
Utilities & bills	—	₹1,225 × 10% = ₹122.50/mo (₹1,470/yr) · issuer max ₹1,500/mo
Top reward rate	4X reward points	10%
Primary reward cap	No monthly cap published	₹1,500 rewards/mo cap
Perks & restrictions
Lounge access	Domestic & international lounge — verify spend-linked rules on MITC · Jan 2026: several ICICI premium cards moved to spend-linked lounge; confirm threshold on issuer site	4 domestic airport lounge visits per year · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Earns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends
Key exclusions	EMI · Fuel · Rent · Wallet · Gaming	Fuel · Wallet top-ups · Rent · EMI · Cash advance
Bonuses
Signup bonus	—	₹1,500

Frequently asked questions

Which card has the lower annual fee?: PhonePe SBI Card SELECT BLACK has the lowest annual fee at ₹1,499.
Which card earns more on moderate spend?: PhonePe SBI Card SELECT BLACK leads with an estimated ₹7,350/yr net annual value on moderate spend.
Which card has the lower income requirement?: PhonePe SBI Card SELECT BLACK 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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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