ICICI Sapphiro vs SBI ELITE vs BoB Eterna
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SBI ELITE
4.6
Why this card wins: Premium Lifestyle — 2X reward points on dining, movies & grocery
| Feature | ICICI Sapphiro | SBI ELITE | BoB Eterna |
|---|---|---|---|
| Bank | ICICI Bank | SBI | Bank of Baroda |
| Card Type | Premium | Super Premium | Premium |
| Annual Fee | ₹3,500 + GST | ₹4,999 + GST | ₹2,499 + GST |
| Joining Fee | ₹3,500 + GST | ₹4,999 + GST | ₹2,499 + GST |
| Rewards | 2-4 PAYBACK points per ₹100 | 2X reward points on dining, movies & grocery | 6 reward points per ₹100 on all spends |
| Best For | Travel & Lifestyle | Premium Lifestyle | Travel & Dining |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.35% per month (40.20% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹3,00,000 - ₹10,00,000 | ₹3,00,000 - ₹15,00,000 | ₹1,50,000 - ₹5,00,000 |
| Welcome Benefit | Vouchers worth ₹9,000+ | 5000 bonus reward points | 2000 bonus reward points |
| Min Income | ₹50,000/month | ₹60,000/month | ₹40,000/month |
| Lounge Access | 16 domestic + 4 international per year | Unlimited domestic + 6 international per year | 8 domestic + 4 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹500-₹3,000 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 | 4.6 | 4.3 |
| 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+
Our Pick
SBI ELITE
Premium Lifestyle
Mastercard • Super Premium
- Complimentary Trident Privilege membership
- Unlimited domestic lounge visits
- Buy 1 Get 1 on BookMyShow
- Annual fee reversal on ₹10L spend
BoB Eterna
Travel & Dining
Visa • Premium
- Complimentary Dreamfolks lounge access
- Golf privileges at select courses
- 1% fuel surcharge waiver
- Milestone bonus rewards on annual spend
Verdict
Based on rating and overall value, SBI ELITE ranks highest among your selected cards. It excels at Premium Lifestyle and offers 2X reward points on dining, movies & grocery.