ICICI Bank Emeralde Credit Card vs Axis Bank Magnus Credit Card vs HDFC Bank INFINIA Metal Credit Card
A detailed, side-by-side look at 3 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
₹12,000 + GST
₹12,500 + GST
₹12,500 + GST
Renewal Fee
₹12,000 + GST
₹12,500 + GST
₹12,500 + GST
Spend Based Waiver
Annual fee waived on ₹10-15 lakh annual spends; monthly fee waived on ₹1 lakh monthly spends.
Annual fee of ₹12,500 + Taxes waived on spending ₹25 Lakhs in the preceding year.
Renewal fee waived on ₹10 lakhs or more spend in preceding 12 months for Metal Edition.
Foreign Transaction Fees
2% of the transaction amount (some sources indicate 1.5%).
Reduced mark-up fee of 2% on foreign transactions.
2% + GST (~2.36%) on all foreign currency transactions.
Interest Rate (APR)
General finance charges: 3.75% or 3.40% per month. Cash advance: 3.75% or 1.99% per month.
3.0% per month (42.58% annually) on extended credit.
1.99% per month (23.8% annualized) on the due amount.
Rewards & Benefits
Welcome Bonus
American Express Cardholders receive a shopping voucher from TATA CLiQ worth ₹5,000 on their birthday.
Choose any one gift voucher worth INR 12,500 from Luxe, The Postcard Hotels, or Yatra.
Complimentary Club Marriott membership for 1st year & 12,500 bonus Reward Points on activation.
Rewards Rate
Earn 4 Reward Points on every ₹100 domestic/international spend; 1 RP on Utility/Insurance.
Earn 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).
Earn 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping.
Reward Type
Reward Points
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST per reward redemption request.
Nil
Nil
Travel & Lifestyle
Domestic Lounge Access
Unlimited complimentary domestic airport lounge access for the primary Cardholder.
Unlimited complimentary visits to select airport lounges in India for primary and add-on cardholders.
Unlimited complimentary airport lounge access in India for primary and add-on cardholders.
International Lounge Access
Unlimited complimentary international airport lounge access for the primary Cardholder.
Unlimited complimentary international lounge visits for primary cardholder with Priority Pass, plus 4 guest visits.
Unlimited complimentary airport lounge access globally via Priority Pass for primary & add-on.
Travel Benefits
Unlimited complimentary international and domestic airport lounge access; travel cancellation protection.
Unlimited lounge access (domestic & intl), complimentary 3rd-night stay & upgrades at Oberoi/Trident Hotels.
Complimentary Club Marriott & ITC Hotels stay offers; Redeem RP for flights/airmiles on SmartBuy.
Movie Benefits
Buy one get one up to ₹750 off on movie/event tickets via BookMyShow, up to 4 times monthly.
Not Applicable
Dining Benefits
Minimum 15% discount on dining bills at partnered restaurants through the Culinary Treats Programme.
Upto 30% discount (up to ₹500) at over 4000 restaurants across India via Axis Dining Delights.
Complimentary Club Marriott membership; 1+1 buffet at ITC; FLAT 10% EXTRA OFF on Swiggy Dineout.
Golf Benefits
Up to 4 complimentary golf rounds or lessons monthly, based on eligible previous month's spends.
4 complimentary green fees & 12 golf lessons per year for World Mastercard variant holders.
Unlimited complimentary golf lessons and games at leading courses across India and worldwide.
Fuel Surcharge Waiver
1% waiver on fuel transactions up to ₹4,000 at any fuel station across India.
1% fuel surcharge waiver (₹400-₹4000 transactions), max waiver ₹400 per month.
1% waiver on transactions ₹400-₹1,00,000, capped at ₹1,000 per statement cycle.
Security & Other
Insurance Benefits
₹3 Crore Air Accident Insurance, ₹50,000 Credit Shield, and comprehensive international travel insurance.
Credit Shield ₹5L, Purchase protection ₹2L, Credit Liability coverage, Lost/Delayed Baggage $500.
Accidental Air Death ₹3 Cr, Emergency Overseas Hospitalization ₹50 L, Credit Shield ₹9 L.
Cash Advance Charges
Nil cash advance charges, but interest rates apply immediately from the transaction date.
Nil (Interest charges applicable).
NIL, but interest charges are applicable from the date of cash advance.