AU Ixigo Credit Card vs ICICI Sapphiro
Detailed comparison of these two popular credit cards
Winner
AU Ixigo Credit Card
AU Small Finance Bank
EntryVS
ICICI Sapphiro
ICICI Bank
PremiumAnnual Fee
FREE vs ₹4K
Effective Rate
(cash value)
1.3% vs 0.5%
Lounge Access
8/year vs 4/quarter
Detailed Comparison
| Feature | AU Ixigo Credit Card | ICICI Sapphiro |
|---|---|---|
Fees & Charges | ||
| Joining Fee | FREE | ₹7K |
| Annual Fee | FREE | ₹4K |
| Fee Waiver | None | Spend ₹6L annually |
| Forex Markup | 0% | 3.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1.25% | 0.5% |
Lounge Access | ||
| Domestic Lounges | 8/year | 4/quarter |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹3.0L | ₹18.0L |
AU Ixigo Credit Card is Best For
Budget travelers (if grandfathered on zero forex)
Watch Out
- • Zero forex removed for new cardholders
- • Lounge now requires ₹20K/quarter spend
- • International rewards removed Dec 2024
Our Verdict
Based on overall features and value,
AU Ixigo Credit Card wins!
Score: 50vsScore: 24
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