Side-by-side · honest numbers
Axis Bank Reserve Credit Card vs ICICI Sapphiro Credit Card vs IndusInd Bank Avios Visa Infinite Credit Card
Honest side-by-side comparison of Axis Bank Reserve Credit Card, ICICI Sapphiro Credit Card, IndusInd Bank Avios Visa Infinite 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 IndusInd Bank Avios Visa Infinite Credit Card by about ₹12,092/yr.
| Feature | Axis Bank Reserve Credit Card Axis Bank | ICICI Sapphiro Credit Card ICICI Bank | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹3,500 | ₹10,000 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹1,00,000/mo | ₹75,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹10,580/yr | ₹3,556/yr | -₹8,536/yr |
| Dining & delivery | 24 pts per ₹150 spend → ₹128/mo (₹1,536/yr) | — | — |
| Travel | 5 pts per ₹150 spend → ₹33/mo (₹400/yr) | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 24 EDGE miles/₹150 | 4 RP/₹100 | 5X Avios points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic & international lounge · No minimum spend required for lounge access | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site | Unlimited lounge access · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹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?
- ICICI Sapphiro Credit Card lists a minimum monthly income of ₹75,000.
- 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.
Axis Bank Reserve Credit Card
Axis Bank
ICICI Sapphiro Credit Card
ICICI Bank
IndusInd Bank Avios Visa Infinite Credit Card
IndusInd Bank
Your adjusted comparison
| Feature | Axis BankMetal Axis Bank Reserve Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Reserve Credit Card Top reward24 EDGE miles/₹150 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back Axis Bank Reserve Credit Card Axis 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 | IndusInd BankInfinite IndusInd Bank Avios Visa Infinite Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Avios Visa Infinite Credit Card Top reward5X Avios points Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹3,500 | ₹10,000 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹1,00,000/mo | ₹75,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹10,580/yr | ₹3,556/yr | -₹8,536/yr |
| Dining & delivery | 24 pts per ₹150 spend → ₹128/mo (₹1,536/yr) | — | — |
| Travel | 5 pts per ₹150 spend → ₹33/mo (₹400/yr) | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 24 EDGE miles/₹150 | 4 RP/₹100 | 5X Avios points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic & international lounge · No minimum spend required for lounge access | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site | Unlimited lounge access · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹4,000 | — |
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