Side-by-side · honest numbers
ICICI Sapphiro Credit Card vs IDFC FIRST Ashva Credit Card vs IDFC FIRST Mayura Credit Card
Honest side-by-side comparison of ICICI Sapphiro Credit Card, IDFC FIRST Ashva Credit Card, IDFC FIRST Mayura 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
Customize your spend
Change spend profile or swap cards — results update live below.
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
IDFC FIRST Mayura Credit Card
IDFC FIRST Bank
Your adjusted comparison
| Feature | ICICI Sapphiro Credit Card ICICI Bank | IDFC FIRST Ashva Credit Card IDFC FIRST Bank | IDFC FIRST Mayura Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,500 | ₹2,999 | ₹5,999 |
| Fee waiver threshold | ₹6,00,000/yr | No waiver published | No waiver published |
| Min income | ₹75,000/mo | ₹50,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹1,862/yr | -₹959/yr | -₹4,279/yr |
| Top reward rate | 4 RP/₹150 | 5X reward points | 5 pts/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | International + domestic lounge (spend-linked — verify MITC) · Minimum spend required — see issuer T&Cs for current threshold | 4 domestic + 2 international airport lounge visits per quarter (+ railway lounges) · Lounge gated on ₹20,000 spend in the previous calendar month | 4 domestic (incl. 1 guest) + 4 international lounge visits/quarter; 4 railway visits/quarter · Lounge and movie BOGO gated on ₹20,000 spend in the previous calendar month |
| UPI rewards | Earns: Earns on eligible UPI spends via the RuPay variant · cap Per ICICI MITC | Earns: 1 point per ₹150 on UPI (3X above ₹2,000) on the Digital RuPay companion · cap Per IDFC FIRST MITC | Earns: Associated FIRST Digital RuPay card earns up to 3X on UPI above ₹2,000 · cap Per Mayura rewards T&Cs |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet · Insurance | Fuel · EMI · Fees · Cash · Balance transfer |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹1,000 |
Share this comparison
https://cardhungry.com/in/en/compare/icici-sapphiro-vs-idfc-ashva-gold-vs-idfc-mayuraReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, IDFC FIRST Ashva Credit Card ranks first for estimated net annual value — ahead of ICICI Sapphiro Credit Card by about ₹903/yr.
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
| Feature | ICICI Sapphiro Credit Card ICICI Bank | IDFC FIRST Ashva Credit Card IDFC FIRST Bank | IDFC FIRST Mayura Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,500 | ₹2,999 | ₹5,999 |
| Fee waiver threshold | ₹6,00,000/yr | No waiver published | No waiver published |
| Min income | ₹75,000/mo | ₹50,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹1,862/yr | -₹959/yr | -₹4,279/yr |
| Top reward rate | 4 RP/₹150 | 5X reward points | 5 pts/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | International + domestic lounge (spend-linked — verify MITC) · Minimum spend required — see issuer T&Cs for current threshold | 4 domestic + 2 international airport lounge visits per quarter (+ railway lounges) · Lounge gated on ₹20,000 spend in the previous calendar month | 4 domestic (incl. 1 guest) + 4 international lounge visits/quarter; 4 railway visits/quarter · Lounge and movie BOGO gated on ₹20,000 spend in the previous calendar month |
| UPI rewards | Earns: Earns on eligible UPI spends via the RuPay variant · cap Per ICICI MITC | Earns: 1 point per ₹150 on UPI (3X above ₹2,000) on the Digital RuPay companion · cap Per IDFC FIRST MITC | Earns: Associated FIRST Digital RuPay card earns up to 3X on UPI above ₹2,000 · cap Per Mayura rewards T&Cs |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet · Insurance | Fuel · EMI · Fees · Cash · Balance transfer |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹1,000 |
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.
More ICICI Sapphiro Credit Card comparisons
- ICICI Sapphiro Credit Card vs 811 Dream Different Credit Card
- ICICI Sapphiro Credit Card vs AU Altura Credit Card
- ICICI Sapphiro Credit Card vs AU Altura+ Credit Card
- ICICI Sapphiro Credit Card vs AU LIT Credit Card
- ICICI Sapphiro Credit Card vs AU Zenith Credit Card
- ICICI Sapphiro Credit Card vs American Express Gold Card
- ICICI Sapphiro Credit Card vs American Express Platinum Travel Card
- ICICI Sapphiro Credit Card vs American Express SmartEarn Credit Card
- ICICI Sapphiro Credit Card vs Amex Membership Rewards CC
- ICICI Sapphiro Credit Card vs Axis Bank ACE Credit Card
- ICICI Sapphiro Credit Card vs Axis Bank Airtel Credit Card
- ICICI Sapphiro Credit Card vs Axis Bank Atlas Credit Card