Side-by-side · honest numbers
Amex Membership Rewards CC vs ICICI Sapphiro Credit Card vs IndusInd Bank Crest Credit Card
Honest side-by-side comparison of Amex Membership Rewards CC, ICICI Sapphiro Credit Card, IndusInd Bank Crest 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.
| Feature | Amex Membership Rewards CC American Express | ICICI Sapphiro Credit Card ICICI Bank | IndusInd Bank Crest Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹3,500 | ₹5,000 |
| Fee waiver threshold | No waiver published | No waiver published | Waived at ₹4,00,000/yr spend |
| Min income | ₹60,000/mo | ₹75,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹822/yr | ₹3,556/yr | ₹80/yr |
| Travel | — | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 2 RP/₹150 | 4 RP/₹100 | 2X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site | Domestic lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Some small merchants | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| 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?
- IndusInd Bank Crest Credit Card lists a minimum monthly income of ₹50,000.
- 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.
Amex Membership Rewards CC
American Express
ICICI Sapphiro Credit Card
ICICI Bank
IndusInd Bank Crest Credit Card
IndusInd Bank
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 | IndusInd BankPlatinum IndusInd Bank Crest Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Crest Credit Card Top reward2X reward points Annual fee₹5,000 Min income₹50,000/mo Tap to flip back IndusInd Bank Crest Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹3,500 | ₹5,000 |
| Fee waiver threshold | No waiver published | No waiver published | Waived at ₹4,00,000/yr spend |
| Min income | ₹60,000/mo | ₹75,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹822/yr | ₹3,556/yr | ₹80/yr |
| Travel | — | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 2 RP/₹150 | 4 RP/₹100 | 2X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site | Domestic lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Some small merchants | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹4,000 | ₹4,000 | — |
Share this comparison
https://cardhungry.com/in/en/compare/amex-mrcc-vs-icici-sapphiro-vs-indusind-crestMore Amex Membership Rewards CC comparisons
- Amex Membership Rewards CC vs 811 Dream Different Credit Card
- Amex Membership Rewards CC vs AU Altura Credit Card
- Amex Membership Rewards CC vs AU Zenith Credit Card
- Amex Membership Rewards CC vs American Express Gold Card
- Amex Membership Rewards CC vs American Express Platinum Travel Card
- Amex Membership Rewards CC vs American Express SmartEarn Credit Card
- Amex Membership Rewards CC vs Axis Bank ACE Credit Card
- Amex Membership Rewards CC vs Axis Bank Airtel Credit Card
- Amex Membership Rewards CC vs Axis Bank Atlas Credit Card
- Amex Membership Rewards CC vs Axis Bank Flipkart Credit Card
- Amex Membership Rewards CC vs Axis Bank Magnus Credit Card
- Amex Membership Rewards CC vs Axis Bank My Zone Credit Card