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?

Amex Membership Rewards CC 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.

Side-by-side · honest numbers

Amex Membership Rewards CC vs AU Zenith Credit Card vs ICICI Sapphiro Credit Card

Honest side-by-side comparison of Amex Membership Rewards CC, 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 Amex Membership Rewards CC by about ₹2,734/yr.

Amex Membership Rewards CC vs AU Zenith Credit Card vs ICICI Sapphiro Credit Card comparison table
Feature	Amex Membership Rewards CC 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	2 RP/₹150	3X points/₹150	4 RP/₹100
Net annual value (moderate spend)	₹822/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?: Amex Membership Rewards CC 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.

Customize your spend

Change spend profile or swap cards — results update live below.

Card 1

Card 2

Card 3

Your adjusted comparison

Feature	American ExpressPlatinum Amex Membership Rewards CC •••• •••• •••• 4242 Quick facts Amex Membership Rewards CC Top reward2 RP/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back Amex Membership Rewards CC 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	2 RP/₹150	3X points/₹150	4 RP/₹100
Net value (moderate)	₹822/yr	-₹6,487/yr	₹3,556/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹4,000	—	₹4,000

Amex Membership Rewards CC details →AU Zenith Credit Card details →ICICI Sapphiro Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Amex Membership Rewards CC comparisons