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?

YES ACE Credit Card leads with an estimated ₹4,451/yr net annual value on moderate spend.

Which card has the lower income requirement?

YES ACE Credit Card lists a minimum monthly income of ₹25,000.

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 YES ACE Credit Card

Honest side-by-side comparison of ICICI Sapphiro Credit Card, IDFC Ashva Gold (FD), YES ACE 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, YES ACE Credit Card ranks first for estimated net annual value — ahead of ICICI Sapphiro Credit Card by about ₹895/yr.

ICICI Sapphiro Credit Card vs IDFC Ashva Gold (FD) vs YES ACE Credit Card comparison table
Feature	ICICI Sapphiro Credit Card ICICI Bank	IDFC Ashva Gold (FD) IDFC FIRST Bank	YES ACE Credit Card YES Bank
Annual fee	₹3,500	₹0	₹499
Min income (monthly)	₹75,000	Not stated	₹25,000
Top reward rate	4 RP/₹100	2X reward points	4% cashback
Net annual value (moderate spend)	₹3,556/yr	₹1,600/yr	₹4,451/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?: YES ACE Credit Card leads with an estimated ₹4,451/yr net annual value on moderate spend.
Which card has the lower income requirement?: YES ACE Credit Card lists a minimum monthly income of ₹25,000.
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.

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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	YES BankGold YES ACE Credit Card •••• •••• •••• 4242 Quick facts YES ACE Credit Card Top reward4% cashback Annual fee₹499 Min income₹25,000/mo Tap to flip back YES ACE Credit Card YES Bank
Annual fee	₹3,500	₹0	₹499
Min income	₹75,000	Not stated	₹25,000
Top reward rate	4 RP/₹100	2X reward points	4% cashback
Net value (moderate)	₹3,556/yr	₹1,600/yr	₹4,451/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	₹4,000	—	—

ICICI Sapphiro Credit Card details →IDFC Ashva Gold (FD) details →YES ACE Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More ICICI Sapphiro Credit Card comparisons