ICICI Sapphiro vs SBI ELITE vs Canara RuPay Select
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 | Canara RuPay Select |
|---|---|---|---|
| Bank | ICICI Bank | SBI | Canara Bank |
| Card Type | Premium | Super Premium | Entry Level |
| Annual Fee | ₹3,500 + GST | ₹4,999 + GST | ₹500 + GST |
| Joining Fee | ₹3,500 + GST | ₹4,999 + GST | ₹500 + GST |
| Rewards | 2-4 PAYBACK points per ₹100 | 2X reward points on dining, movies & grocery | 1 reward point per ₹100 spent |
| Best For | Travel & Lifestyle | Premium Lifestyle | Budget Users |
| 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 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | Vouchers worth ₹9,000+ | 5000 bonus reward points | None |
| Min Income | ₹50,000/month | ₹60,000/month | ₹12,000/month |
| Lounge Access | 16 domestic + 4 international per year | Unlimited domestic + 6 international per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹500-₹3,000 txns | 1% waiver on ₹400-₹4,000 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 | 3.8 |
| 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
Canara RuPay Select
Budget Users
RuPay • Entry Level
- RuPay UPI linkage supported
- Fuel surcharge waiver up to ₹100/month
- Personal accident insurance ₹5 Lakh
- Easy EMI conversion available
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.