Check below for a comparison between the ICICI Sapphiro credit card vs SBI Elite card or SBI Elite card vs ICICI Sapphiro credit card and find which is better –
ICICI Sapphiro credit card vs SBI Elite card
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Overview of ICICI Sapphiro credit card
Positioned as one of ICICI Bank’s premium offerings, the ICICI Bank Sapphiro Credit Card takes precedence after the ICICI Emeralde Credit Card.
This card is available in three iterations: the ICICI Bank Sapphiro AmEx Credit Card, the ICICI Bank Sapphiro Visa Credit Card, and the Mastercard variant.
Currently, the issuance is exclusive to the ICICI Bank Sapphiro Visa Credit Card. Catering not just too frequent travellers but also to those desiring a card with maximum saving potentials, entertainment privileges, and various other benefits, this card aims to provide a stellar initiation to your card experience.
ICICI Bank ensures a strong start by furnishing exclusive welcome benefits that exceed the joining fee.
Whether it’s domestic or international purchases, utility bill settlements, fuel transactions, or any other expense, every usage of your ICICI credit card translates into savings.
Overview of SBI Elite card
The SBI ELITE Credit Card, offered by SBI Card, is a high-end credit card with an annual membership fee of Rs. 4,999.
Formerly the top-tier option for the SBI Card, it now holds the second position in prestige following the recent introduction of the SBI AURUM Credit Card.
As a premium card, the SBI Bank ELITE Credit Card provides an array of top-notch benefits, including complimentary access to domestic and international lounges, free shopping vouchers, discounted hotel rates, complimentary movie tickets, and various additional perks.
ICICI Sapphiro credit card vs SBI Elite card
| Features/Charges | ICICI Bank Sapphiro Credit Card | SBI Elite card |
|---|---|---|
| Joining Fees | Rs 6,500 (plus applicable taxes) | Rs. 4,999 |
| Annual Fees | Rs 3,500 (plus applicable taxes) | Rs. 4,999 |
| Welcome Benefits | Enjoy a generous 25% discount when you book movie tickets through BookMyShow and INOX, requiring a minimum transaction of 2 tickets. This offer is available for use twice each month, allowing you to effectively cut down on your entertainment expenses. The maximum discount allowed is Rs. 150. | Upon joining, you’ll receive electronic vouchers valued at Rs. 5,000, applicable to a selection of brands such as Yatra, Aditya Birla Fashion, Hush Puppies/Bata, Pantaloons, and Shoppers Stop. |
| Cashback / Rewards point | Obtain 4 Reward Points for every Rs. 100 spent on international transactions, 2 Reward Points for local expenditures, and 1 Reward Point for each Rs. 100 spent on utilities and insurance categories by using this credit card. | Acquire 2 Reward Points for every Rs. 100 expended on retail transactions and enjoy a 5X Reward Points boost on dining expenses, departmental store purchases, and grocery shopping. |
| Dining benefits | Save on your dining expenses with the Culinary Treats Program, enjoying discounts on your restaurant bills. | Enjoy exclusive dining deals featuring discounts of up to 25% at affiliated restaurants*. |
| Travel benefits | Receive two complimentary entries to railway lounges every quarter and one free access to an airport lounge each quarter with both card options, adding up to a total of two accesses per quarter. This feature is applicable when you meet the minimum expenditure of Rs. 5,000 in the quarter preceding. | Receive a complimentary Club Vistara Membership, along with a free Trident Privilege Red Tier membership and complimentary access to domestic and international airport lounges. |
| Annual fees waiver | You won’t incur a renewal fee provided your annual expenditures reach or exceed Rs. 3 lakhs. | The yearly charge of Rs. 4,999 is exempted on annual expenditures totaling Rs. 10 lakh or higher in the preceding year. |
| Fuel surcharge waiver | Spend Rs 6 Lakhs annually to qualify for a renewal fee waiver. | The yearly charge of Rs. 4,999 is exempted on annual expenditures totalling Rs. 10 lakh or higher in the preceding year. |
