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 ICICI Sapphiro Credit Card

Honest side-by-side comparison of Amex Membership Rewards CC, 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 leads Amex Membership Rewards CC by about ₹2,734/yr in estimated net value.

Amex Membership Rewards CC vs ICICI Sapphiro Credit Card comparison table
Feature	Amex Membership Rewards CC American Express	ICICI Sapphiro Credit Card ICICI Bank
Annual fee	₹4,500	₹3,500
Min income (monthly)	₹60,000	₹75,000
Top reward rate	2 RP/₹150	4 RP/₹100
Net annual value (moderate spend)	₹822/yr	₹3,556/yr
Secured / FD-backed	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.

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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	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	₹3,500
Min income	₹60,000	₹75,000
Top reward rate	2 RP/₹150	4 RP/₹100
Net value (moderate)	₹822/yr	₹3,556/yr
Secured / no bureau	Standard	Standard
Signup bonus	₹4,000	₹4,000

Amex Membership Rewards CC 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