Compare AU Ananta Credit Card and ICICI Bank Sapphiro Credit Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.
Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.
Upper-mid-tier users whose normal spending is concentrated in shopping, dining and travel and who can naturally reach the card's milestones.
Premium lifestyle and travel users who can use the welcome vouchers, lounges, movie offers and golf benefits enough to offset the fee.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare/au-ananta-credit-card-vs-icici-sapphiro-credit-card/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 11, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 11, 2026
Maintenance: Within the scheduled review window
4 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.
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| Decision factor | AU Ananta Credit Card | ICICI Bank Sapphiro Credit Card |
|---|---|---|
| Joining fee | ₹2,000 + applicable taxes under the current AU Key Fact Statement/product fee table. | ₹6,500 + GST |
| Annual fee | ₹2,000 + applicable taxes. | ₹3,500 + GST |
| Fee waiver | Renewal fee waived on ₹3 lakh retail spends in the previous card anniversary year; no joining-fee waiver on reviewed page | Annual fee waived for the next year on spends over ₹6 lakh |
| Rewards | 5 Reward Points per ₹100 on eligible shopping, dining and travel spends, capped at 5,000 accelerated points per statement cycle, plus welcome and annual milestone points | ICICI Bank Reward Points plus premium welcome vouchers and lifestyle benefits; current issuer terms control earning exclusions and redemption value |
| Lounge | 4 complimentary domestic airport-lounge visits per quarter when eligible flight tickets of ₹5,000 or more are booked through AU Rewardz under the current Ananta terms. | 4 complimentary domestic airport lounge visits per quarter under the current product proposition, subject to ₹75,000 spend in the preceding calendar quarter; dual-card variants allocate 2 visits per variant. The card also lists 2 complimentary international lounge visits annually. |
| Forex markup | 3.49% cross-currency markup under AU’s 7 July 2026 Key Fact Statement. | 3.5% foreign-currency markup |
| Network | Variant as offered by AU Small Finance Bank | Mastercard & American Express or Visa & RuPay dual variants may be offered |
| Eligibility / approval | Indicative primary-cardholder age: salaried 21–60, self-employed 25–65; resident Indian; approval remains at AU Small Finance Bank discretion | Reviewed issuer page lists Indian citizens age 21+ with indicative salaried monthly income of ₹75,000 or self-employed annual income of ₹9 lakh; approval remains with ICICI Bank |
These cautions remain attached to the underlying card records instead of being converted into a score.
These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.
Each side keeps its own review date, source set and evidence state.
Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
Reviewed September 11, 2026 · 2 attached first-party sources
Reviewed September 11, 2026 · 4 attached first-party sources