Side-by-side · honest numbers
ICICI Sapphiro Credit Card vs IDFC Ashva Gold (FD) vs RBL Bank Icon Credit Card
Honest side-by-side comparison of ICICI Sapphiro Credit Card, IDFC Ashva Gold (FD), RBL Bank Icon 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 IDFC Ashva Gold (FD) by about ₹1,956/yr.
| Feature | ICICI Sapphiro Credit Card ICICI Bank | IDFC Ashva Gold (FD) IDFC FIRST Bank | RBL Bank Icon Credit Card RBL Bank |
|---|---|---|---|
| Annual fee | ₹3,500 | ₹0 | ₹5,000 |
| Min income (monthly) | ₹75,000 | Not stated | ₹50,000 |
| Top reward rate | 4 RP/₹100 | 2X reward points | 2X points/₹150 |
| Net annual value (moderate spend) | ₹3,556/yr | ₹1,600/yr | -₹4,803/yr |
| Secured / FD-backed | No | Yes | No |
| 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?
- RBL Bank Icon Credit Card lists a minimum monthly income of ₹50,000.
- 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 | 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 | RBL BankPlatinum RBL Bank Icon Credit Card •••• •••• •••• 4242 Quick facts RBL Bank Icon Credit Card Top reward2X points/₹150 Annual fee₹5,000 Min income₹50,000/mo Tap to flip back RBL Bank Icon Credit Card RBL Bank |
|---|---|---|---|
| Annual fee | ₹3,500 | ₹0 | ₹5,000 |
| Min income | ₹75,000 | Not stated | ₹50,000 |
| Top reward rate | 4 RP/₹100 | 2X reward points | 2X points/₹150 |
| Net value (moderate) | ₹3,556/yr | ₹1,600/yr | -₹4,803/yr |
| Secured / no bureau | Standard | FD-backed | Standard |
| Signup bonus | ₹4,000 | — | — |
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