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Side-by-Side Comparison|Updated March 2026

Axis Bank Aura Credit Card vs ICICI Bank Sapphiro Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Aura Credit Card

7.2/10
Annual Fee₹749
Base Rewards0.2%
NetworkVisa
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ICICI Bank

ICICI Bank Sapphiro Credit Card

8/10
Annual Fee₹3,500
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Aura Credit CardICICI Bank Sapphiro Credit Card
Annual Fee₹749₹3,500
Joining Fee₹749₹6,500
Fee Waiver SpendN/A₹6,00,000
Base Reward Rate0.2%0.25%
Reward CurrencyEDGE Reward PointsICICI Bank Rewards
NetworkVisaVisa
Editor Rating7.2/108/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Aura Credit Card

  • 0% on Insurance

ICICI Bank Sapphiro Credit Card

  • 0% on International Spends

Pros & Cons

Axis Bank Aura Credit Card

Pros

  • 4 complimentary video doctor consultations per month via Practo.
  • 4 free interactive video fitness sessions and 16 recorded sessions per month via Fitternity.
  • 5X accelerated EDGE reward points on insurance spends (up to ₹10,000 transaction).
  • Annual discount of up to ₹500 on health checkups via IndushealthPlus.

Cons

  • No annual fee waiver based on spending milestones.
  • Low base reward rate of 0.2% (2 points per ₹200 spent).
  • No complimentary domestic or international airport lounge access.

ICICI Bank Sapphiro Credit Card

Pros

  • High-value welcome vouchers worth over ₹9,000 covering travel, shopping, and dining.
  • Dual-card advantage (Amex + Mastercard/Visa) allows for broader acceptance and network-specific offers.
  • Generous movie benefits with Buy 1 Get 1 up to ₹500 twice a month on BookMyShow.
  • Complimentary golf rounds (up to 4 per month) based on spending milestones.

Cons

  • High annual fee of ₹3,500 which is only waived on a relatively high spend of ₹6 lakhs.
  • Domestic lounge access is contingent on a high quarterly spend of ₹75,000.
  • Reward rate on utilities and insurance is low at 1 point per ₹100.

Our Verdict

ICICI Bank Sapphiro Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Aura Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Aura Credit Card if

Offers significant value through free doctor consultations and fitness sessions that outweigh the annual fee.

Choose ICICI Bank Sapphiro Credit Card if

Offers both domestic and international lounge access along with travel-specific welcome vouchers.

Frequently Asked Questions

Which is better: Axis Bank Aura Credit Card or ICICI Bank Sapphiro Credit Card?
ICICI Bank Sapphiro Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Aura Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Aura Credit Card and ICICI Bank Sapphiro Credit Card?
Axis Bank Aura Credit Card has an annual fee of ₹749, while ICICI Bank Sapphiro Credit Card has an annual fee of ₹3,500. ICICI Bank Sapphiro Credit Card offers a fee waiver on ₹6,00,000 annual spend.
Which card has better rewards: Axis Bank Aura Credit Card or ICICI Bank Sapphiro Credit Card?
Axis Bank Aura Credit Card offers a base reward rate of 0.2% with accelerated rewards on Insurance. ICICI Bank Sapphiro Credit Card offers 0.25% base rewards with bonuses on International Spends. The better choice depends on your primary spending categories.
Can I have both Axis Bank Aura Credit Card and ICICI Bank Sapphiro Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Aura Credit Card and ICICI Bank Sapphiro Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Aura Credit Card or ICICI Bank Sapphiro Credit Card?
For beginners, Axis Bank Aura Credit Card may be more approachable with a lower annual fee of ₹749. However, evaluate based on your expected spending pattern rather than fee alone.

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