ICICI Sapphiro vs IDFC First WOW vs AU Zenith+
Side-by-side credit card comparison to help you choose the best one.
| Feature | ICICI Sapphiro | IDFC First WOW | AU Zenith+ |
|---|---|---|---|
| Bank | ICICI Bank | IDFC First Bank | AU Small Finance Bank |
| Annual Fee | ₹3,500 + GST | Lifetime Free | ₹7,999 + GST |
| Joining Fee | ₹3,500 + GST | Nil | ₹7,999 + GST |
| Rewards | 2-4 PAYBACK points per ₹100 | 10X reward points on every spend category | 4.5% value back on select categories |
| Best For | Travel & Lifestyle | All-Round Rewards | Premium Lifestyle |
| Card Type | Premium | Rewards | Super Premium |
| Rating | 4.4 | 4.5 | 4.4 |
ICICI Sapphiro
Travel & Lifestyle
- ✓ Buy 1 Get 1 Free on movie tickets (BookMyShow)
- ✓ Dreamfolks Membership for lounges
- ✓ 4 domestic lounge visits per quarter
- ✓ Welcome vouchers worth ₹9000+
IDFC First WOW
All-Round Rewards
- ✓ No annual or joining fee ever
- ✓ 10X reward points on all categories
- ✓ 6 domestic + 2 international lounge visits
- ✓ Never expiring reward points
AU Zenith+
Premium Lifestyle
- ✓ Complimentary airport lounge access worldwide
- ✓ Travel insurance up to ₹3 Crore
- ✓ Concierge services 24/7
- ✓ Milestone bonus of ₹10,000 voucher on ₹5L spend
Our Recommendation
Based on rating and overall value, IDFC First WOW currently ranks highest among your selected cards.