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?

slice credit card lists a minimum monthly income of ₹15,000.

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.

Side-by-side · honest numbers

ICICI Sapphiro Credit Card vs IDFC Ashva Gold (FD) vs slice credit card

Honest side-by-side comparison of ICICI Sapphiro Credit Card, IDFC Ashva Gold (FD), slice 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 slice credit card by about ₹46/yr.

ICICI Sapphiro Credit Card vs IDFC Ashva Gold (FD) vs slice credit card comparison table
Feature	ICICI Sapphiro Credit Card ICICI Bank	IDFC Ashva Gold (FD) IDFC FIRST Bank	slice credit card Slice
Fees & eligibility
Annual fee	₹3,500	Lifetime free	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free	Lifetime free
Min income	₹75,000/mo	Not stated	₹15,000/mo
Secured / FD-backed	Standard	FD-backed	Standard
Rewards
Net annual value (moderate)	₹3,556/yr	₹1,600/yr	₹3,510/yr
Top reward rate	4 RP/₹100	2X reward points	Up to 1% cashback
Primary reward cap	No monthly cap published	No monthly cap published	₹500 eligible spend/mo
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)	Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap
Key exclusions	EMI · Fuel · Rent	Not stated	Rent · Wallet loads · EMI
Bonuses
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?: slice credit card lists a minimum monthly income of ₹15,000.
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.

Card 1

ICICI Sapphiro Credit Card

ICICI Bank

Card 2

IDFC Ashva Gold (FD)

IDFC FIRST Bank

Card 3

slice credit card

Slice

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	SliceGold slice credit card •••• •••• •••• 4242 Quick facts slice credit card Top rewardUp to 1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back slice credit card Slice
Fees & eligibility
Annual fee	₹3,500	Lifetime free	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free	Lifetime free
Min income	₹75,000/mo	Not stated	₹15,000/mo
Secured / FD-backed	Standard	FD-backed	Standard
Rewards
Net annual value (moderate)	₹3,556/yr	₹1,600/yr	₹3,510/yr
Top reward rate	4 RP/₹100	2X reward points	Up to 1% cashback
Primary reward cap	No monthly cap published	No monthly cap published	₹500 eligible spend/mo
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)	Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap
Key exclusions	EMI · Fuel · Rent	Not stated	Rent · Wallet loads · EMI
Bonuses
Signup bonus	₹4,000	—	—

ICICI Sapphiro Credit Card details →IDFC Ashva Gold (FD) details →slice credit card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More ICICI Sapphiro Credit Card comparisons