Vyaya
Side-by-Side Comparison|Updated March 2026

ICICI Bank Sapphiro Credit Card vs Axis Bank Aura Credit Card

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

ICICI Bank

ICICI Bank Sapphiro Credit Card

8/10
Annual Fee₹3,500
Base Rewards0.25%
NetworkVisa
View Full Details

Axis Bank

Axis Bank Aura Credit Card

7.2/10
Annual Fee₹749
Base Rewards0.2%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureICICI Bank Sapphiro Credit CardAxis Bank Aura Credit Card
Annual Fee₹3,500₹749
Joining Fee₹6,500₹749
Fee Waiver Spend₹6,00,000N/A
Base Reward Rate0.25%0.2%
Reward CurrencyICICI Bank RewardsEDGE Reward Points
NetworkVisaVisa
Editor Rating8/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank Sapphiro Credit Card

  • 0% on International Spends

Axis Bank Aura Credit Card

  • 0% on Insurance

Pros & Cons

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.

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.

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 ICICI Bank Sapphiro Credit Card if

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

Choose Axis Bank Aura Credit Card if

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

Frequently Asked Questions

Which is better: ICICI Bank Sapphiro Credit Card or Axis Bank Aura 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 ICICI Bank Sapphiro Credit Card and Axis Bank Aura Credit Card?
ICICI Bank Sapphiro Credit Card has an annual fee of ₹3,500, while Axis Bank Aura Credit Card has an annual fee of ₹749. ICICI Bank Sapphiro Credit Card offers a fee waiver on ₹6,00,000 annual spend.
Which card has better rewards: ICICI Bank Sapphiro Credit Card or Axis Bank Aura Credit Card?
ICICI Bank Sapphiro Credit Card offers a base reward rate of 0.25% with accelerated rewards on International Spends. Axis Bank Aura Credit Card offers 0.2% base rewards with bonuses on Insurance. The better choice depends on your primary spending categories.
Can I have both ICICI Bank Sapphiro Credit Card and Axis Bank Aura Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank Sapphiro Credit Card and Axis Bank Aura Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank Sapphiro Credit Card or Axis Bank Aura 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.

Related Comparisons

ICICI Bank Sapphiro Credit Card vs Axis Bank Atlas Credit CardAxis Bank Aura Credit Card vs Axis Bank Atlas Credit CardICICI Bank Sapphiro Credit Card vs SBI Card ELITEAxis Bank Aura Credit Card vs SBI Card ELITE

Explore More

ICICI Bank Sapphiro Credit Card Full ReviewAxis Bank Aura Credit Card Full ReviewAll ICICI Bank CardsAll Axis Bank CardsBrowse All Credit CardsCredit Card Guides & Tips