ICICI Sapphiro vs SBI SimplySAVE vs IDFC First WOW
Side-by-side credit card comparison to help you choose the best one.
| Feature | ICICI Sapphiro | SBI SimplySAVE | IDFC First WOW |
|---|---|---|---|
| Bank | ICICI Bank | SBI | IDFC First Bank |
| Annual Fee | ₹3,500 + GST | ₹499 + GST | Lifetime Free |
| Joining Fee | ₹3,500 + GST | ₹499 + GST | Nil |
| Rewards | 2-4 PAYBACK points per ₹100 | 10X rewards on dining, grocery, movies & dept stores | 10X reward points on every spend category |
| Best For | Travel & Lifestyle | Everyday Spending | All-Round Rewards |
| Card Type | Premium | Rewards | Rewards |
| Rating | 4.4 | 4.2 | 4.5 |
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 SimplySAVE
Everyday Spending
- ✓ ₹500 annual fee waiver on ₹1L spend
- ✓ Fuel surcharge waiver
- ✓ 5X rewards on all other spends
- ✓ Contactless payments enabled
IDFC First WOW
All-Round Rewards
- ✓ No annual or joining fee ever
- ✓ 10X reward points on all categories
- ✓ 6 domestic + 2 international lounge visits
- ✓ Never expiring reward points
Our Recommendation
Based on rating and overall value, IDFC First WOW currently ranks highest among your selected cards.