ICICI Sapphiro vs HSBC Cashback Card vs SC Ultimate
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SC Ultimate
4.7
Why this card wins: Luxury Travel — 3.33% rewards value on all spends
| Feature | ICICI Sapphiro | HSBC Cashback Card | SC Ultimate |
|---|---|---|---|
| Bank | ICICI Bank | HSBC India | Standard Chartered |
| Card Type | Premium | Cashback | Super Premium |
| Annual Fee | ₹3,500 + GST | ₹750 + GST | ₹5,000 + GST |
| Joining Fee | ₹3,500 + GST | ₹750 + GST | ₹5,000 + GST |
| Rewards | 2-4 PAYBACK points per ₹100 | 1.5% unlimited cashback on all spends | 3.33% rewards value on all spends |
| Best For | Travel & Lifestyle | Pure Cashback | Luxury Travel |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹3,00,000 - ₹10,00,000 | ₹50,000 - ₹5,00,000 | ₹5,00,000 - ₹20,00,000 |
| Welcome Benefit | Vouchers worth ₹9,000+ | ₹750 cashback on first ₹7,500 spend | 10,000 reward points on first ₹20,000 spend |
| Min Income | ₹50,000/month | ₹25,000/month | ₹1,00,000/month |
| Lounge Access | 16 domestic + 4 international per year | 2 domestic per year | Unlimited domestic + international (Priority Pass) |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on all fuel txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 2.0% + GST |
| Add-On Card Fee | ₹500 + GST | Free | Free |
| Rating | 4.4 | 4.4 | 4.7 |
| Contactless | |||
| EMI Conversion |
Key Features
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+
HSBC Cashback Card
Pure Cashback
Visa • Cashback
- No merchant category restrictions
- Cashback auto-credited to statement
- Global acceptance — accepted in 200+ countries
- Fee waiver on ₹1L annual spend
Our Pick
SC Ultimate
Luxury Travel
Visa Infinite • Super Premium
- Unlimited domestic & international lounge access
- Travel insurance up to ₹5 Crore
- Golf privileges worldwide
- Concierge services 24/7
Verdict
Based on rating and overall value, SC Ultimate ranks highest among your selected cards. It excels at Luxury Travel and offers 3.33% rewards value on all spends.