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 (Annual Plan) or ₹1,000 + GST (Monthly Plan)
₹12,500 + GST
₹12,500 + Applicable Taxes (for Infinia Metal Edition)
Renewal Fee
₹12,000 + GST (Annual Plan) or ₹1,000 + GST (Monthly Plan)
₹12,500 + GST
₹12,500 + Applicable Taxes (for Infinia Metal Edition)
Spend Based Waiver
Annual fee waiver on ₹15L annual spend; monthly fee waiver on ₹1L monthly spend.
Annual fee is waived off on spends of ₹25 Lakhs in the preceding year (for Magnus Credit Card).
Spend ₹10 lakh or more in preceding 12 months to get renewal fee waived for the next year.
Foreign Transaction Fees
Reduced foreign currency markup of 1.5% on international transactions.
2% on foreign transactions.
Lowest markup fee of 2% + GST (~2.36%) on all foreign currency transactions.
Interest Rate (APR)
Finance charges 3.4% p.m. (40.8% p.a.). ATM cash withdrawal interest 1.99% p.m.
3.0% per month (42.58% annually) on extended credit.
1.99% per month or 23.8% annualized on the due amount for revolving credit.
Rewards & Benefits
Welcome Bonus
₹5,000 TATA CLiQ shopping voucher on birthday (for AmEx Cardholders).
Receive a welcome gift voucher worth INR 12,500 from Luxe, Postcard Hotels, or Yatra.
Complimentary Club Marriott membership for the first year & 12,500 bonus Reward Points upon fee realization.
Rewards Rate
Earn 4 RP/₹100 on retail, 1 RP/₹100 on utilities & insurance.
Earn 12 RPs/₹200 on spends up to ₹1.5L, 35 RPs/₹200 above ₹1.5L. Up to 60 RPs/₹200 on Travel Edge.
Earn 5 Reward Points on every ₹150 retail spend, up to 10x on Smartbuy (up to 3.3% rate).
Reward Type
Reward Points
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST per rewards redemption request.
Nil
Nil.
Travel & Lifestyle
Domestic Lounge Access
Unlimited complimentary domestic airport lounge access for primary cardholder.
Unlimited complimentary domestic airport lounge visits for cardholders (₹50K quarterly spend applies).
Unlimited complimentary airport lounge access in India for primary and add-on cardholders.
International Lounge Access
Unlimited complimentary international airport lounge access for primary cardholder.
Unlimited international lounge access via Priority Pass for primary cardholders (4 guest visits annually).
Unlimited complimentary airport lounge access abroad via Priority Pass for primary and add-on cardholders.
Travel Benefits
No cancellation fees on domestic flights/hotels (up to ₹12K/year). Low 1.5% forex markup.
Unlimited domestic & international lounge access. Exclusive offers on stays at Oberoi & Trident Hotels.
Unlimited lounge access, ITC hotel stay benefits, flight/hotel bookings via SmartBuy, and concierge.
Movie Benefits
Buy one get one up to ₹750 off on movie/event tickets via BookMyShow, 4 times monthly.
Not Applicable
Not Applicable
Dining Benefits
Min. 15% discount on dining bills at partnered restaurants under Culinary Treats Programme.
Enjoy up to 30% discount at over 4,000 restaurants across India under the Axis Dining Delights Program.
Up to 20-25% discounts on dining with Club Marriott & FLAT 10% EXTRA OFF via Swiggy Dineout.
Golf Benefits
1 free golf round/lesson monthly on ₹50K spend, up to 4 rounds/lessons per month.
Not Applicable
Unlimited complimentary golf lessons and games at leading courses globally with 100% green fee waiver.
Fuel Surcharge Waiver
1% fuel surcharge waiver (up to ₹4,000/transaction) at all fuel stations.
1% fuel surcharge waiver for transactions between ₹400 to ₹4,000, capped at ₹400 per month.
1% fuel surcharge waiver (₹400-₹1L transactions), max ₹1,000 per statement cycle.
Security & Other
Insurance Benefits
₹3 Cr Air Accident, ₹50K Credit Shield, International Travel (Baggage, flight delay).
Includes ₹5L Credit Shield, ₹2L Purchase Protection, Credit Liability & Lost/Delayed Baggage cover.
Accidental Air Death cover (₹3 Cr), overseas hospitalization (₹50L), Credit Shield (₹9L).
Cash Advance Charges
Nil fee, but 1.99% p.m. interest on ATM cash withdrawals.
Nil (Interest charges are applicable on cash advances).
NIL. Interest charges are applicable.