ICICI Bank Emeralde Credit Card vs SBI AURUM Credit Card vs Axis Bank Magnus 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
Rs. 1,000 + GST (per month)
Rs. 9,999 + GST
Rs. 12,500 + GST
Renewal Fee
Rs. 1,000 + GST (per month)
Rs. 9,999 + GST
Rs. 12,500 + GST
Spend Based Waiver
Monthly fee reversed on the expenditure of Rs. 1,00,000 in the previous month, annual fee reversed on an annual spend of Rs. 15,00,000 in the previous anniversary year.
Annual membership fee waived off on annual spends of Rs. 12,00,000
Annual fee waived off on an expenditure of Rs. 25 lakhs in the preceding year.
Foreign Transaction Fees
1.5% of the total transaction amount
1.99% of the transaction amount
2%
Interest Rate (APR)
3.40% per month (or 40.80% annualized)
3.75% Per Month (45% Per Annum)
3.0% per month (42.58% annually)
Rewards & Benefits
Welcome Bonus
Not Applicable
40,000 Reward Points and Complimentary Memberships of Club Marriott, Wall Street Journal, and Mint
Choose a gift voucher worth Rs. 12,500 from any one of Luxe, Yatra, or Postcard Hotels
Rewards Rate
4 RPs on every Rs. 100 spent on all transactions (except fuel, utilities and insurance categories) and 1 RP on every purchase of Rs. 100 on insurance and utilities.
4 Reward Points per Rs. 100 spent (reward rate of 1%)
12 Axis EDGE REWARDS Points for every Rs. 200 spent with the card, 5X EDGE REWARDS on travel spends via TRAVEL EDGE.
Reward Type
Reward Points
Reward Points
Reward Points
Reward Redemption Fee
Rs. 99 + GST on each redemption request
Nil
Travel & Lifestyle
Domestic Lounge Access
Complimentary unlimited domestic airport lounge access under the MasterCard/American Express/Visa lounge program
4 complimentary domestic lounge access under Visa/MasterCard domestic lounge program
Unlimited Free Domestic Airport Lounge Access
International Lounge Access
Complimentary unlimited international airport lounge access under the Dreamfolks program membership
Unlimited international airport lounge access with complimentary Dreamfolks lounge program membership
Unlimited complimentary international airport lounge access for primary cardholders and 8 complimentary visits for the guests every year with Priority Pass
Travel Benefits
Complimentary international & domestic lounge visits, no charge (waived up to a max of Rs. 12,000) on cancellation of flight/hotel/movie ticket bookings up to max two cancellations every year
Complimentary Spa Access
Complimentary Airport Lounge Access, and Discounted Stays at Oberoi Hotels
Dining & Movie Benefits
A discount of up to Rs. 750 on BookMyShow second movie/event ticket onwards (max 4 tickets per month), no cancellation charge on movie ticket cancellation (max benefit of Rs. 12,000 per year), a minimum discount of 15% at partnered restaurants under the ICICI Culinary Treats program.
4 movie tickets from BookMyShow every month (max cap of Rs. 250 per ticket)
20% Discount at 4,000+ Restaurants Across India Under the Axis Dining Delights Program
Golf Benefits
Complimentary round/lesson of golf each month on a minimum spend of Rs. 50,000 in the previous month (max 4/month)
16 complimentary golf rounds each year (4 each quarter)
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge waived on all fuel purchases at all fuel pumps across the country.
1% fuel surcharge waived off at all fuel stations across India.
1% fuel surcharge waived off at all fuel stations across India
Security & Other
Insurance Benefits
Credit Shield insurance worth Rs. 50,000, an air accidental death cover worth Rs. 3 crore and many other insurance benefits under travel category (as illustrated later in the article)
Travel insurance and air accidental cover is offered
Credit shield protection worth Rs. 5 lakh (in case the card is lost) and a purchase protection worth Rs. 2 lakh.
Cash Advance Charges
Nil
2.50% of the withdrawn amount, subject to a minimum charge of Rs. 500
Nil
Ready to Choose?
Based on your comparison, select the credit card that best matches your spending habits and financial goals.