ICICI Sapphiro vs SBI ELITE vs IDFC First WOW
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 | IDFC First WOW |
|---|---|---|---|
| Bank | ICICI Bank | SBI | IDFC First Bank |
| Card Type | Premium | Super Premium | Rewards |
| Annual Fee | ₹3,500 + GST | ₹4,999 + GST | Lifetime Free |
| Joining Fee | ₹3,500 + GST | ₹4,999 + GST | Nil |
| Rewards | 2-4 PAYBACK points per ₹100 | 2X reward points on dining, movies & grocery | 10X reward points on every spend category |
| Best For | Travel & Lifestyle | Premium Lifestyle | All-Round Rewards |
| 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 - ₹5,00,000 |
| Welcome Benefit | Vouchers worth ₹9,000+ | 5000 bonus reward points | 500 reward points on first spend |
| Min Income | ₹50,000/month | ₹60,000/month | ₹15,000/month |
| Lounge Access | 16 domestic + 4 international per year | Unlimited domestic + 6 international per year | 6 domestic + 2 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 | 4.5 |
| 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+
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
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, SBI ELITE ranks highest among your selected cards. It excels at Premium Lifestyle and offers 2X reward points on dining, movies & grocery.