Side-by-side · honest numbers
AU Zenith Credit Card vs ICICI Sapphiro Credit Card vs IDFC Ashva Gold (FD)
Honest side-by-side comparison of AU Zenith Credit Card, ICICI Sapphiro Credit Card, IDFC Ashva Gold (FD) — 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 IDFC Ashva Gold (FD) by about ₹1,956/yr.
| Feature | AU Zenith Credit Card AU Small Finance Bank | ICICI Sapphiro Credit Card ICICI Bank | IDFC Ashva Gold (FD) IDFC FIRST Bank |
|---|---|---|---|
| Annual fee | ₹7,999 | ₹3,500 | ₹0 |
| Min income (monthly) | ₹75,000 | ₹75,000 | Not stated |
| Top reward rate | 3X points/₹150 | 4 RP/₹100 | 2X reward points |
| Net annual value (moderate spend) | -₹6,487/yr | ₹3,556/yr | ₹1,600/yr |
| Secured / FD-backed | No | No | Yes |
| Signup bonus | — | ₹4,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC Ashva Gold (FD) has a ₹0 annual fee (lifetime free or zero-fee tier).
- 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?
- AU Zenith Credit Card lists a minimum monthly income of ₹75,000.
- Which cards are secured (FD-backed)?
- IDFC Ashva Gold (FD) is secured — useful for thin credit files without a bureau pull at application.
- 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.
Your adjusted comparison
| Feature | 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 | IDFC FIRST BankGold IDFC Ashva Gold (FD) •••• •••• •••• 4242 Quick facts IDFC Ashva Gold (FD) Top reward2X reward points Annual feeLifetime Free Tap to flip back IDFC Ashva Gold (FD) IDFC FIRST Bank |
|---|---|---|---|
| Annual fee | ₹7,999 | ₹3,500 | ₹0 |
| Min income | ₹75,000 | ₹75,000 | Not stated |
| Top reward rate | 3X points/₹150 | 4 RP/₹100 | 2X reward points |
| Net value (moderate) | -₹6,487/yr | ₹3,556/yr | ₹1,600/yr |
| Secured / no bureau | Standard | Standard | FD-backed |
| Signup bonus | — | ₹4,000 | — |
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