Side-by-side · honest numbers
American Express Gold Card vs AU Zenith Credit Card vs ICICI Sapphiro Credit Card
Honest side-by-side comparison of American Express Gold Card, AU Zenith Credit Card, ICICI Sapphiro Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, ICICI Sapphiro Credit Card ranks first for estimated net annual value — ahead of American Express Gold Card by about ₹2,986/yr.
| Feature | American Express Gold Card American Express | AU Zenith Credit Card AU Small Finance Bank | ICICI Sapphiro Credit Card ICICI Bank |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹7,999 | ₹3,500 |
| Min income (monthly) | ₹60,000 | ₹75,000 | ₹75,000 |
| Top reward rate | 4X Membership Rewards/₹150 | 3X points/₹150 | 4 RP/₹100 |
| Net annual value (moderate spend) | ₹570/yr | -₹6,487/yr | ₹3,556/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ₹4,000 | — | ₹4,000 |
Frequently asked questions
- Which card has the lower annual fee?
- ICICI Sapphiro Credit Card has the lowest annual fee at ₹3,500.
- Which card earns more on moderate spend?
- ICICI Sapphiro Credit Card leads with an estimated ₹3,556/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- American Express Gold Card lists a minimum monthly income of ₹60,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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Your adjusted comparison
| Feature | American ExpressGold American Express Gold Card •••• •••• •••• 4242 Quick facts American Express Gold Card Top reward4X Membership Rewards/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back American Express Gold Card American Express | AU Small Finance BankPlatinum AU Zenith Credit Card •••• •••• •••• 4242 Quick facts AU Zenith Credit Card Top reward3X points/₹150 Annual fee₹7,999 Min income₹75,000/mo Tap to flip back AU Zenith Credit Card AU Small Finance Bank | ICICI BankPlatinum ICICI Sapphiro Credit Card •••• •••• •••• 4242 Quick facts ICICI Sapphiro Credit Card Top reward4 RP/₹100 Annual fee₹3,500 Min income₹75,000/mo Tap to flip back ICICI Sapphiro Credit Card ICICI Bank |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹7,999 | ₹3,500 |
| Min income | ₹60,000 | ₹75,000 | ₹75,000 |
| Top reward rate | 4X Membership Rewards/₹150 | 3X points/₹150 | 4 RP/₹100 |
| Net value (moderate) | ₹570/yr | -₹6,487/yr | ₹3,556/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ₹4,000 | — | ₹4,000 |
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