Side-by-side · honest numbers
AU Zenith Credit Card vs ICICI Sapphiro Credit Card vs SBI Card against Fixed Deposit
Honest side-by-side comparison of AU Zenith Credit Card, ICICI Sapphiro Credit Card, SBI Card against Fixed Deposit — 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 SBI Card against Fixed Deposit by about ₹1,786/yr.
| Feature | AU Zenith Credit Card AU Small Finance Bank | ICICI Sapphiro Credit Card ICICI Bank | SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| 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 | 80% of FD value |
| Net annual value (moderate spend) | -₹6,487/yr | ₹3,556/yr | ₹1,770/yr |
| Secured / FD-backed | No | No | Yes |
| Signup bonus | — | ₹4,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Card against Fixed Deposit 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)?
- SBI Card against Fixed Deposit 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 | SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Annual fee | ₹7,999 | ₹3,500 | ₹0 |
| Min income | ₹75,000 | ₹75,000 | Not stated |
| Top reward rate | 3X points/₹150 | 4 RP/₹100 | 80% of FD value |
| Net value (moderate) | -₹6,487/yr | ₹3,556/yr | ₹1,770/yr |
| Secured / no bureau | Standard | Standard | FD-backed |
| Signup bonus | — | ₹4,000 | — |
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