ICICI Sapphiro vs Kotak Royale Signature vs IDFC First WOW
Side-by-side credit card comparison to help you choose the best one.
Our Pick
IDFC First WOW
4.5
Why this card wins: All-Round Rewards — 10X reward points on every spend category
| Feature | ICICI Sapphiro | Kotak Royale Signature | IDFC First WOW |
|---|---|---|---|
| Bank | ICICI Bank | Kotak Mahindra | IDFC First Bank |
| Card Type | Premium | Premium | Rewards |
| Annual Fee | ₹3,500 + GST | ₹999 + GST | Lifetime Free |
| Joining Fee | ₹3,500 + GST | ₹999 + GST | Nil |
| Rewards | 2-4 PAYBACK points per ₹100 | 4 reward points per ₹150 on all spends | 10X reward points on every spend category |
| Best For | Travel & Lifestyle | Travel & Entertainment | All-Round Rewards |
| 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 | ₹1,00,000 - ₹5,00,000 | ₹25,000 - ₹5,00,000 |
| Welcome Benefit | Vouchers worth ₹9,000+ | 500 reward points on activation | 500 reward points on first spend |
| Min Income | ₹50,000/month | ₹25,000/month | ₹15,000/month |
| Lounge Access | 16 domestic + 4 international per year | 8 domestic + 2 international per year | 6 domestic + 2 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | ₹500 + GST | Free | Free |
| Rating | 4.4 | 4.3 | 4.5 |
| 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+
Kotak Royale Signature
Travel & Entertainment
Visa Signature • Premium
- 8 complimentary domestic lounge visits per year
- 2 complimentary international lounge visits
- 1% fuel surcharge waiver
- Milestone benefits on annual spending
Our Pick
IDFC First WOW
All-Round Rewards
Visa • Rewards
- No annual or joining fee ever
- 10X reward points on all categories
- 6 domestic + 2 international lounge visits
- Never expiring reward points
Verdict
Based on rating and overall value, IDFC First WOW ranks highest among your selected cards. It excels at All-Round Rewards and offers 10X reward points on every spend category.