AU Small Finance Bank Zenith Credit Card
AU Small Finance Bank
Rewards 1.4%
Net Value ₹5,825
Joining Fee ₹4,999
Renewal Fee ₹4,999
32 lounge visits • Forex 1.0%
ICICI Sapphiro Credit Card
ICICI Bank ⭐ Featured
Premium credit card for frequent travelers
Joining Fee
₹6,500
+ 18% GST
First Year Net
+₹14,098
Annual Fee
₹3,500
+ 18% GST
Renewal Net
+₹8,638
Base Reward Rate
2.0%
2 points per ₹100
Final Net Score
25
out of 100
Net Annual Value
+₹12,768
Score Breakdown
Lower ScoreMid RangeHigher Score
Key Metrics
Final Score
Comprehensive rating based on your spending profile
25/100
Effective Reward Rate
Weighted average based on your spending categories
2.0%
Annual Net Value
Expected yearly benefit after all costs
₹12,768
Payback Period
Time to recover annual fees through rewards
Immediate
Card Information
Category
Premium credit card for frequent travelers
Launch Date
2010s
Networks
Visa, Mastercard, American Express
Should I Consider This Card?
Using general assumptions
Likely Eligible
Needs checkAdd income range and credit score to estimate eligibility.
Value for Your Spend
Strong fitAt your current spending pattern, this card is likely to return more value than it costs.
Consider from
₹15,000 / mo
Sweet spot
₹2,00,000 / mo
Net value / year
+₹12,768
Fee outcome
Fee likely waived
Why this result
- Fee waiver threshold: Annual fee waiver is tied to roughly 50,000 monthly spend.
- Base rewards: Value is driven mostly by the base reward rate and fee math.
- Portal rewards: Extra value may depend on booking or spending through ICICI Reward Catalog.
Details
Spend curve and supporting scenario values
ICICI Sapphiro Credit Card - Key Highlights
💰 Fees & Charges
- Annual Fee: ₹3,500
- Foreign Transaction: 3.5%
- Late Payment: Varies by outstanding amount
🏆 Rewards & Benefits
- Rewards Rate: 2.0% reward rate
- Lounge Access: Available
- Our Rating: 25/100
ICICI Sapphiro Credit Card - Frequently Asked Questions
What are the benefits of ICICI Sapphiro Credit Card?
ICICI Sapphiro Credit Card from ICICI Bank offers comprehensive benefits including rewards, lounge access, and premium services. Key benefits include reward points on spending and airport lounge access.
Who is eligible for ICICI Sapphiro Credit Card?
ICICI Sapphiro Credit Card is ideal for individuals looking for reward-focused spending. Minimum credit score requirements apply.
How much does ICICI Sapphiro Credit Card cost?
The annual fee for ICICI Sapphiro Credit Card is ₹3,500. Additional charges may include foreign transaction fees and late payment charges.
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