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Axis Bank Magnus Credit Card
Axis Bank Magnus Credit Card
Axis Bank
VS
WINNER
ICICI Emeralde Credit Card
ICICI Emeralde Credit Card
ICICI Bank

Axis Bank Magnus Credit Card vs ICICI Emeralde Credit Card

Detailed side-by-side comparison based on fees, rewards, benefits, and real user data.

credit card
Updated Jul 2026
96
Overall Score / 100
4.8/5
Recommended
96
Overall Score / 100
4.8/5

Scoreboard· 3 measured features

1
Axis Bank Magnus Credit Card
0
Tied
2
ICICI Emeralde Credit Card
Overall winner

What would you save?· ₹ per year, after fees

50,000
₹5k₹1L₹2L
Better here
Axis Bank Magnus Credit Card
Rewards (12.0%)+ ₹72,000
Annual fee− ₹12,500
Net per year+59,500
ICICI Emeralde Credit Card
Rewards (4.0%)+ ₹24,000
Annual fee− ₹12,499
Net per year+11,501
Axis Bank Magnus Credit Card gives you 47,999 more per year at this spend level.

Estimates use the headline reward rate. Real rewards depend on category-wise spend, monthly caps, and welcome-bonus eligibility. See the full T&C on the issuer's website before applying.

Feature-by-Feature Comparison

Feature
Axis Bank Magnus Credit Card
ICICI Emeralde Credit Card
Annual Fee
₹12,500
₹12,499
Joining Fee
₹12,500
₹12,499
Reward Rate
12X partners, 2X base, up to 5%
4
Welcome Bonus
12,500 Edge Reward Points
None
Lounge Access
8 per quarter domestic + international
Yes
Min. Income
₹3,00,000
₹3,00,000
Min. Credit Score
800
800

InvestingPro Expert Verdict

Based on SEBI-compliant analysis • Affiliate disclosed

Axis Bank Magnus Credit Card and ICICI Emeralde Credit Card are closely matched on fees, rewards, and perks — the better choice depends on which bank you already use and which reward categories fit your spending. Compare the eligibility criteria above before applying.

Who Should Get Which?

💰
Choose ICICI Emeralde Credit Card
Lower annual fees — ideal for budget-conscious users who want value without high costs.
✈️
Choose Axis Bank Magnus Credit Card
Higher fee but more premium perks — best for power users who maximize rewards.
Axis Bank Magnus Credit Card
Axis Bank Magnus Credit Card
Axis Bank

Opens official Axis Bank website

ICICI Emeralde Credit Card
ICICI Emeralde Credit Card
ICICI Bank

Opens official ICICI Bank website

Disclaimer: This comparison is for informational purposes only. Product details may change; verify on official bank websites before applying. InvestingPro may earn affiliate commission on approved applications. Not SEBI registered investment advice.

No paid rankings
Methodology disclosed
SEBI-compliant
Editorial standards