Side-by-side · honest numbers
ICICI Sapphiro Credit Card vs IDFC Ashva Gold (FD) vs SBI Card MILES
Honest side-by-side comparison of ICICI Sapphiro Credit Card, IDFC Ashva Gold (FD), SBI Card MILES — 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 MILES by about ₹266/yr.
| Feature | ICICI Sapphiro Credit Card ICICI Bank | IDFC Ashva Gold (FD) IDFC FIRST Bank | SBI Card MILES SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,500 | Lifetime free | ₹1,499 |
| Fee waiver threshold | No waiver published | Lifetime free | Waived at ₹3,00,000/yr spend |
| Min income | ₹75,000/mo | Not stated | ₹35,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,556/yr | ₹1,600/yr | ₹3,290/yr |
| Travel | — | — | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) |
| Top reward rate | 4 RP/₹100 | 2X reward points | 6X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site | Domestic lounge with FD ≥ ₹25K · FD-backed card — lounge tied to minimum ₹25,000 fixed deposit, not monthly spend | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Not stated | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹2,000 |
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?
- SBI Card MILES lists a minimum monthly income of ₹35,000.
- 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.
ICICI Sapphiro Credit Card
ICICI Bank
IDFC Ashva Gold (FD)
IDFC FIRST Bank
SBI Card MILES
SBI Card
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 | SBI CardPlatinum SBI Card MILES •••• •••• •••• 4242 Quick facts SBI Card MILES Top reward6X reward points Annual fee₹1,499 Min income₹35,000/mo Tap to flip back SBI Card MILES SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,500 | Lifetime free | ₹1,499 |
| Fee waiver threshold | No waiver published | Lifetime free | Waived at ₹3,00,000/yr spend |
| Min income | ₹75,000/mo | Not stated | ₹35,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,556/yr | ₹1,600/yr | ₹3,290/yr |
| Travel | — | — | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) |
| Top reward rate | 4 RP/₹100 | 2X reward points | 6X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site | Domestic lounge with FD ≥ ₹25K · FD-backed card — lounge tied to minimum ₹25,000 fixed deposit, not monthly spend | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Not stated | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹2,000 |
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https://cardhungry.com/in/en/compare/icici-sapphiro-vs-idfc-ashva-gold-vs-sbi-card-milesMore ICICI Sapphiro Credit Card comparisons
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