ICICI Sapphiro vs SBI CashBack Card vs IDFC First WOW
Side-by-side credit card comparison to help you choose the best one.
| Feature | ICICI Sapphiro | SBI CashBack Card | IDFC First WOW |
|---|---|---|---|
| Bank | ICICI Bank | SBI | IDFC First Bank |
| Annual Fee | ₹3,500 + GST | ₹999 + GST | Lifetime Free |
| Joining Fee | ₹3,500 + GST | ₹999 + GST | Nil |
| Rewards | 2-4 PAYBACK points per ₹100 | 5% Cashback on ALL online spends | 10X reward points on every spend category |
| Best For | Travel & Lifestyle | Pure Cashback | All-Round Rewards |
| Card Type | Premium | Premium Cashback | Rewards |
| Rating | 4.4 | 4.5 | 4.5 |
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+
SBI CashBack Card
Pure Cashback
- ✓ 1% cashback on offline spends
- ✓ Direct cashback credit to statement
- ✓ No merchant restrictions for 5% cashback
- ✓ Fuel surcharge waiver up to ₹100/month
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
Our Recommendation
Based on rating and overall value, SBI CashBack Card currently ranks highest among your selected cards.