BoB Select vs ICICI Sapphiro
Side-by-side credit card comparison to help you choose the best one.
ICICI Sapphiro
Why this card wins: Travel & Lifestyle — 2-4 PAYBACK points per ₹100
| Feature | ||
|---|---|---|
| Bank | Bank of Baroda | ICICI Bank |
| Card Type | Entry Level | Premium |
| Annual Fee | ₹499 + GST | ₹3,500 + GST |
| Joining Fee | ₹499 + GST | ₹3,500 + GST |
| Rewards | 2 reward points per ₹100 spent | 2-4 PAYBACK points per ₹100 |
| Best For | Everyday Spending | Travel & Lifestyle |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.40% per month (40.80% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 | ₹3,00,000 - ₹10,00,000 |
| Welcome Benefit | 500 reward points on first spend | Vouchers worth ₹9,000+ |
| Min Income | ₹15,000/month | ₹50,000/month |
| Lounge Access | 2 domestic per year | 16 domestic + 4 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | ₹500 + GST |
| Rating | 4 | 4.4 |
| Contactless | ||
| EMI Conversion |
Key Features
BoB Select
Everyday Spending
Visa • Entry Level
- Annual fee waiver on ₹75,000 spend
- 2% cashback on utility bill payments
- Fuel surcharge waiver
- Easy EMI conversion facility
ICICI Sapphiro
Travel & Lifestyle
Visa • Premium
- Buy 1 Get 1 Free on movie tickets (BookMyShow)
- Dreamfolks Membership for lounges
- 4 domestic lounge visits per quarter
- Welcome vouchers worth ₹9000+
Verdict
Based on rating and overall value, ICICI Sapphiro ranks highest among your selected cards. It excels at Travel & Lifestyle and offers 2-4 PAYBACK points per ₹100.
Frequently asked questions
Which is better: BoB Select or ICICI Sapphiro?
ICICI Sapphiro has the higher CardKhoj rating (4.4/5) and is best for travel & lifestyle. BoB Select is the better fit if your priority is everyday spending. The right choice depends on where you spend most.
Which has the lower annual fee: BoB Select and ICICI Sapphiro?
BoB Select is cheaper to hold at ₹499 + GST, compared with ₹3,500 + GST for ICICI Sapphiro.
Do BoB Select and ICICI Sapphiro offer airport lounge access?
BoB Select: 2 domestic per year. ICICI Sapphiro: 16 domestic + 4 international per year.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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