Which card has the lower annual fee?

IndusInd Legend Credit Card 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?

IndusInd Legend Credit Card lists a minimum monthly income of ₹20,000.

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 IndusInd Legend Credit Card

Honest side-by-side comparison of ICICI Sapphiro Credit Card, IndusInd Legend 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 leads IndusInd Legend Credit Card by about ₹2,722/yr in estimated net value.

ICICI Sapphiro Credit Card vs IndusInd Legend Credit Card comparison table
Feature	ICICI Sapphiro Credit Card ICICI Bank	IndusInd Legend Credit Card IndusInd Bank
Annual fee	₹3,500	₹0
Min income (monthly)	₹75,000	₹20,000
Top reward rate	4 RP/₹100	1 reward point/₹100
Net annual value (moderate spend)	₹3,556/yr	₹834/yr
Secured / FD-backed	No	No
Signup bonus	₹4,000	—

Frequently asked questions

Which card has the lower annual fee?: IndusInd Legend Credit Card 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?: IndusInd Legend Credit Card lists a minimum monthly income of ₹20,000.
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	IndusInd BankGold IndusInd Legend Credit Card •••• •••• •••• 4242 Quick facts IndusInd Legend Credit Card Top reward1 reward point/₹100 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Legend Credit Card IndusInd Bank
Annual fee	₹3,500	₹0
Min income	₹75,000	₹20,000
Top reward rate	4 RP/₹100	1 reward point/₹100
Net value (moderate)	₹3,556/yr	₹834/yr
Secured / no bureau	Standard	Standard
Signup bonus	₹4,000	—

ICICI Sapphiro Credit Card details →IndusInd Legend Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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