ICICI Sapphiro vs SC Ultimate vs Canara RuPay Select
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SC Ultimate
4.7
Why this card wins: Luxury Travel — 3.33% rewards value on all spends
| Feature | ICICI Sapphiro | SC Ultimate | Canara RuPay Select |
|---|---|---|---|
| Bank | ICICI Bank | Standard Chartered | Canara Bank |
| Card Type | Premium | Super Premium | Entry Level |
| Annual Fee | ₹3,500 + GST | ₹5,000 + GST | ₹500 + GST |
| Joining Fee | ₹3,500 + GST | ₹5,000 + GST | ₹500 + GST |
| Rewards | 2-4 PAYBACK points per ₹100 | 3.33% rewards value on all spends | 1 reward point per ₹100 spent |
| Best For | Travel & Lifestyle | Luxury Travel | Budget Users |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹3,00,000 - ₹10,00,000 | ₹5,00,000 - ₹20,00,000 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | Vouchers worth ₹9,000+ | 10,000 reward points on first ₹20,000 spend | None |
| Min Income | ₹50,000/month | ₹1,00,000/month | ₹12,000/month |
| Lounge Access | 16 domestic + 4 international per year | Unlimited domestic + international (Priority Pass) | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on all fuel txns | 1% waiver on ₹400-₹4,000 txns |
| Foreign Txn Fee | 3.5% + GST | 2.0% + GST | 3.5% + GST |
| Add-On Card Fee | ₹500 + GST | Free | Free |
| Rating | 4.4 | 4.7 | 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
SC Ultimate
Luxury Travel
Visa Infinite • Super Premium
- Unlimited domestic & international lounge access
- Travel insurance up to ₹5 Crore
- Golf privileges worldwide
- Concierge services 24/7
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, SC Ultimate ranks highest among your selected cards. It excels at Luxury Travel and offers 3.33% rewards value on all spends.