Side-by-side · honest numbers
ICICI Bank Emeralde Private Metal Credit Card vs SBI Card PRIME
Honest side-by-side comparison of ICICI Bank Emeralde Private Metal Credit Card, SBI Card PRIME — 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.
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank
SBI Card PRIME
SBI Card
Your adjusted comparison
| Feature | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | SBI Card PRIME SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹12,000 | ₹2,999 |
| Fee waiver threshold | No waiver published | ₹5,00,000/yr |
| Min income | ₹1,00,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹11,808/yr | -₹2,339/yr |
| Travel | ₹3,000 → 120 pts/mo × ₹0.40/pt = ₹48/mo (₹576/yr) | ₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr) |
| Top reward rate | 4X reward points | 5X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published |
| 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 | 8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Gaming | Fuel · Rent · Wallet · EMI |
| Bonuses | ||
| Signup bonus | — | ₹3,000 |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
Share this comparison
https://cardhungry.com/in/en/compare/icici-emeralde-vs-sbi-primeReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, SBI Card PRIME leads ICICI Bank Emeralde Private Metal Credit Card by about ₹9,469/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
| Feature | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | SBI Card PRIME SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹12,000 | ₹2,999 |
| Fee waiver threshold | No waiver published | ₹5,00,000/yr |
| Min income | ₹1,00,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹11,808/yr | -₹2,339/yr |
| Travel | ₹3,000 → 120 pts/mo × ₹0.40/pt = ₹48/mo (₹576/yr) | ₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr) |
| Top reward rate | 4X reward points | 5X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published |
| 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 | 8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Gaming | Fuel · Rent · Wallet · EMI |
| Bonuses | ||
| Signup bonus | — | ₹3,000 |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Card PRIME has the lowest annual fee at ₹2,999.
- Which card earns more on moderate spend?
- SBI Card PRIME leads with an estimated -₹2,339/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI Card PRIME lists a minimum monthly income of ₹45,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
More 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 Altura+ Credit Card
- ICICI Bank Emeralde Private Metal Credit Card vs AU LIT 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