Side-by-side · honest numbers
ICICI Sapphiro Credit Card vs IRCTC ICICI Bank Credit Card vs Standard Chartered Smart Card
Honest side-by-side comparison of ICICI Sapphiro Credit Card, IRCTC ICICI Bank Credit Card, Standard Chartered Smart 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, Standard Chartered Smart Card ranks first for estimated net annual value — ahead of ICICI Sapphiro Credit Card by about ₹175/yr.
| Feature | ICICI Sapphiro Credit Card ICICI Bank | IRCTC ICICI Bank Credit Card ICICI Bank | Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Annual fee | ₹3,500 | ₹0 | ₹499 |
| Min income (monthly) | ₹75,000 | ₹20,000 | ₹30,000 |
| Top reward rate | 4 RP/₹100 | 10% reward points | 2% cashback |
| Net annual value (moderate spend) | ₹3,556/yr | ₹1,063/yr | ₹3,731/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ₹4,000 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IRCTC ICICI Bank Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Standard Chartered Smart Card leads with an estimated ₹3,731/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IRCTC ICICI Bank 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.
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 | ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI Bank | Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Annual fee | ₹3,500 | ₹0 | ₹499 |
| Min income | ₹75,000 | ₹20,000 | ₹30,000 |
| Top reward rate | 4 RP/₹100 | 10% reward points | 2% cashback |
| Net value (moderate) | ₹3,556/yr | ₹1,063/yr | ₹3,731/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ₹4,000 | — | — |
More ICICI Sapphiro Credit Card comparisons
- ICICI Sapphiro Credit Card vs 811 Dream Different Credit Card
- ICICI Sapphiro Credit Card vs AU Altura Credit Card
- ICICI Sapphiro Credit Card vs AU Zenith Credit Card
- ICICI Sapphiro Credit Card vs American Express Gold Card
- ICICI Sapphiro Credit Card vs American Express Platinum Travel Card
- ICICI Sapphiro Credit Card vs Amex Membership Rewards CC
- ICICI Sapphiro Credit Card vs Axis Bank ACE Credit Card
- ICICI Sapphiro Credit Card vs Axis Bank Atlas Credit Card
- ICICI Sapphiro Credit Card vs Axis Bank Flipkart Credit Card
- ICICI Sapphiro Credit Card vs Axis Bank Magnus Credit Card
- ICICI Sapphiro Credit Card vs Axis Bank My Zone Credit Card
- ICICI Sapphiro Credit Card vs Axis Bank Neo Credit Card