ICICI Sapphiro vs SBI ELITE vs Kotak Royale Signature
Side-by-side credit card comparison to help you choose the best one.
| Feature | ICICI Sapphiro | SBI ELITE | Kotak Royale Signature |
|---|---|---|---|
| Bank | ICICI Bank | SBI | Kotak Mahindra |
| Annual Fee | ₹3,500 + GST | ₹4,999 + GST | ₹999 + GST |
| Joining Fee | ₹3,500 + GST | ₹4,999 + GST | ₹999 + GST |
| Rewards | 2-4 PAYBACK points per ₹100 | 2X reward points on dining, movies & grocery | 4 reward points per ₹150 on all spends |
| Best For | Travel & Lifestyle | Premium Lifestyle | Travel & Entertainment |
| Card Type | Premium | Super Premium | Premium |
| Rating | 4.4 | 4.6 | 4.3 |
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 ELITE
Premium Lifestyle
- ✓ Complimentary Trident Privilege membership
- ✓ Unlimited domestic lounge visits
- ✓ Buy 1 Get 1 on BookMyShow
- ✓ Annual fee reversal on ₹10L spend
Kotak Royale Signature
Travel & Entertainment
- ✓ 8 complimentary domestic lounge visits per year
- ✓ 2 complimentary international lounge visits
- ✓ 1% fuel surcharge waiver
- ✓ Milestone benefits on annual spending
Our Recommendation
Based on rating and overall value, SBI ELITE currently ranks highest among your selected cards.