SBI CashBack Card vs ICICI Sapphiro
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SBI CashBack Card
4.5
Why this card wins: Pure Cashback — 5% Cashback on ALL online spends
| Feature | SBI CashBack Card | ICICI Sapphiro |
|---|---|---|
| Bank | SBI | ICICI Bank |
| Card Type | Premium Cashback | Premium |
| Annual Fee | ₹999 + GST | ₹3,500 + GST |
| Joining Fee | ₹999 + GST | ₹3,500 + GST |
| Rewards | 5% Cashback on ALL online spends | 2-4 PAYBACK points per ₹100 |
| Best For | Pure Cashback | Travel & Lifestyle |
| Interest Rate | 3.35% per month (40.20% p.a.) | 3.40% per month (40.80% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹3,00,000 - ₹10,00,000 |
| Welcome Benefit | None | Vouchers worth ₹9,000+ |
| Min Income | ₹30,000/month | ₹50,000/month |
| Lounge Access | None | 16 domestic + 4 international per year |
| Fuel Surcharge Waiver | 1% waiver (cap ₹100/month) | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | ₹499 + GST | ₹500 + GST |
| Rating | 4.5 | 4.4 |
| Contactless | ||
| EMI Conversion |
Key Features
Our Pick
SBI CashBack Card
Pure Cashback
Visa • Premium Cashback
- 1% cashback on offline spends
- Direct cashback credit to statement
- No merchant restrictions for 5% cashback
- Fuel surcharge waiver up to ₹100/month
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+
Verdict
Based on rating and overall value, SBI CashBack Card ranks highest among your selected cards. It excels at Pure Cashback and offers 5% Cashback on ALL online spends.