Side-by-side · honest numbers
ICICI Sapphiro Credit Card vs IRCTC ICICI Bank Credit Card vs YES ACE Credit Card
Honest side-by-side comparison of ICICI Sapphiro Credit Card, IRCTC ICICI Bank Credit Card, 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.
| Feature | ICICI Sapphiro Credit Card ICICI Bank | IRCTC ICICI Bank Credit Card ICICI Bank | YES ACE Credit Card YES Bank |
|---|---|---|---|
| Annual fee | ₹3,500 | ₹0 | ₹499 |
| Min income (monthly) | ₹75,000 | ₹20,000 | ₹25,000 |
| Top reward rate | 4 RP/₹100 | 10% reward points | 4% cashback |
| Net annual value (moderate spend) | ₹3,556/yr | ₹1,063/yr | ₹4,451/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?
- YES ACE Credit Card leads with an estimated ₹4,451/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 | 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 | ₹20,000 | ₹25,000 |
| Top reward rate | 4 RP/₹100 | 10% reward points | 4% cashback |
| Net value (moderate) | ₹3,556/yr | ₹1,063/yr | ₹4,451/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ₹4,000 | — | — |
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