ICICI Sapphiro vs SBI Elite vs Kotak 811 #DreamDifferent
Side-by-side credit card comparison to help you choose the best one.
| Feature | ICICI Sapphiro | SBI Elite | Kotak 811 #DreamDifferent |
|---|---|---|---|
| Bank | ICICI Bank | SBI | Kotak Mahindra Bank |
| Annual Fee | ₹3,500 | ₹4,999 | Nil |
| Joining Fee | ₹3,500 | ₹4,999 | Nil |
| Rewards | 2 reward points per ₹100 | 5X on dining & groceries | Cashback on tap & pay |
| Best For | Travel | Premium Lifestyle | No Fee Card |
| Card Type | Premium | Premium | Entry Level |
| Rating | 4.4 | 4.3 | 3.9 |
ICICI Sapphiro
Travel
- ✓ Domestic & international lounge
- ✓ Golf privileges
- ✓ Buy 1 Get 1 movies
- ✓ Fuel surcharge waiver
SBI Elite
Premium Lifestyle
- ✓ Complimentary lounge access
- ✓ Movie tickets
- ✓ Trident privileges
- ✓ Milestone benefits
Kotak 811 #DreamDifferent
No Fee Card
- ✓ No annual fee ever
- ✓ Tap & pay cashback
- ✓ Online discounts
- ✓ Fuel surcharge waiver
Our Recommendation
Based on rating and overall value, ICICI Sapphiro currently ranks highest among your selected cards. Choose based on your actual spend pattern: travel, shopping, cashback, or premium benefits.