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ICICI Sapphiro Credit Card vs IDFC FIRST Ashva Credit Card

Honest side-by-side comparison of ICICI Sapphiro Credit Card, IDFC FIRST Ashva Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

ICICI Sapphiro Credit Card

ICICI Bank

IDFC FIRST Ashva Credit Card

IDFC FIRST Bank

Your adjusted comparison

Feature
ICICI Sapphiro Credit Card

ICICI Sapphiro Credit Card

ICICI Bank

IDFC FIRST Ashva Credit Card

IDFC FIRST Ashva Credit Card

IDFC FIRST Bank

Fees & eligibility
Annual fee₹3,500₹2,999
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹75,000/mo₹50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹1,862/yr-₹959/yr
Top reward rate4 RP/₹1005X reward points
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessDomestic (4/quarter) + 2 international/year · Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year4 domestic + 2 international airport lounge visits per quarter (+ railway lounges) · Lounge gated on ₹20,000 spend in the previous calendar month
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentEMI · Rent · Wallet · Insurance
Bonuses
Signup bonus₹4,000—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

ICICI Sapphiro Credit Card details →IDFC FIRST Ashva Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, IDFC FIRST Ashva Credit Card leads ICICI Sapphiro Credit Card by about ₹903/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

ICICI Sapphiro Credit Card vs IDFC FIRST Ashva Credit Card comparison table
FeatureICICI Sapphiro Credit Card

ICICI Bank

IDFC FIRST Ashva Credit Card

IDFC FIRST Bank

Fees & eligibility
Annual fee₹3,500₹2,999
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹75,000/mo₹50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹1,862/yr-₹959/yr
Top reward rate4 RP/₹1005X reward points
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessDomestic (4/quarter) + 2 international/year · Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year4 domestic + 2 international airport lounge visits per quarter (+ railway lounges) · Lounge gated on ₹20,000 spend in the previous calendar month
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentEMI · Rent · Wallet · Insurance
Bonuses
Signup bonus₹4,000—

Frequently asked questions

Which card has the lower annual fee?
IDFC FIRST Ashva Credit Card has the lowest annual fee at ₹2,999.
Which card earns more on moderate spend?
IDFC FIRST Ashva Credit Card leads with an estimated -₹959/yr net annual value on moderate spend.
Which card has the lower income requirement?
IDFC FIRST Ashva 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.

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