Axis Bank Magnus Credit Card VS HDFC Bank INFINIA Metal Credit Card VS ICICI Bank Emeralde Credit Card
Comparing 3 cards side by side: Axis Bank Magnus Credit Card, HDFC Bank INFINIA Metal Credit Card, ICICI Bank Emeralde Credit Card. Axis Bank Magnus Credit Card costs ₹12,500 + GST and earns 12 EDGE RPs per ₹200 (up to ₹1.5L monthly); 35 RPs per ₹200 (above ₹1.5L). 60 RPs on Travel Edge (up to ₹2L). HDFC Bank INFINIA Metal Credit Card costs ₹12,500 + GST and earns 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping. ICICI Bank Emeralde Credit Card costs ₹12,000 + GST and earns 4 Reward Points on every ₹100 domestic/international spend; 1 RP on Utility/Insurance. Compare the fee and reward differences above against your priority spend category — travel, dining, shopping, or fuel — to pick the right fit.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Axis Bank Magnus Credit Card
HDFC Bank INFINIA Metal Credit Card
ICICI Bank Emeralde Credit Card
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Unlimited international and domestic lounge access for primary and add-on cardholders.
Reduced foreign currency markup fee of 2% makes international spends more economical.
Comprehensive insurance benefits including Credit Shield cover and purchase protection.
Lifetime Free option for eligible Axis Bank Burgundy Salary Account holders.
The Burgundy variant offers an improved 5:4 reward point transfer ratio for travel.
Pros
Key benefits and features.
Unlimited lounge access globally for primary and add-on cardholders via Priority Pass membership.
Enjoy unlimited complimentary golf games and coaching at premier courses across the world.
Highly rewarding with 5 Reward Points for every ₹150 spent, up to 10X on SmartBuy.
Valuable welcome & renewal benefits, including bonus RPs & complimentary Club Marriott membership.
Comprehensive insurance benefits, including air accidental death cover and overseas hospitalization.
Pros
Key benefits and features.
Enjoy unlimited complimentary access to both domestic and international airport lounges.
Benefit from up to 4 complimentary golf rounds or lessons monthly based on spends.
Get significant discounts on movie tickets via BookMyShow, up to 4 times every month.
Offers comprehensive insurance coverage including ₹3 crore air accident insurance.
Features a competitive 2% foreign currency markup, ideal for international travelers.
Cons
Key drawbacks and limitations.
High annual income requirement of ₹24 Lakhs makes it inaccessible for many applicants.
No golf benefits are explicitly listed in the main product details, unlike other premium cards.
Several benefits like movie BOGO offers and concierge services have been removed recently.
Cons
Key drawbacks and limitations.
The card is strictly invite-only, making it inaccessible to most potential applicants due to rigorous criteria.
Significant joining and renewal fees, though a waiver is possible with very high annual spending.
Reward points have monthly caps on grocery, telecom, and utility transactions, limiting earning potential.
Low cashback redemption value (₹0.30 per point) compared to higher value redemptions for travel.
Cons
Key drawbacks and limitations.
The card carries a high joining and annual fee of ₹12,000 + GST, which can be substantial.
Reward point value is relatively low at ₹0.25 per point, offering a 1% return on general spends.
Eligibility for movie benefits requires a minimum spend of ₹25,000 in the preceding quarter.
Concierge services are geographically limited to only New Delhi, Mumbai, Bengaluru, and Chennai.
Welcome benefits are specific to American Express variant and are a birthday benefit.