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Side-by-Side Comparison|Updated March 2026

Axis Bank Miles & More World Select Credit Card vs ICICI Bank Sapphiro Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Miles & More World Select Credit Card

8/10
Annual Fee₹4,500
Base Rewards0.75%
NetworkMastercard
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ICICI Bank

ICICI Bank Sapphiro Credit Card

8/10
Annual Fee₹3,500
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Miles & More World Select Credit CardICICI Bank Sapphiro Credit Card
Annual Fee₹4,500₹3,500
Joining Fee₹10,000₹6,500
Fee Waiver SpendN/A₹6,00,000
Base Reward Rate0.75%0.25%
Reward CurrencyAward MilesICICI Bank Rewards
NetworkMastercardVisa
Editor Rating8/108/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Miles & More World Select Credit Card

  • 0% on Lufthansa Bookings

ICICI Bank Sapphiro Credit Card

  • 0% on International Spends

Pros & Cons

Axis Bank Miles & More World Select Credit Card

Pros

  • Generous welcome bonus of 15,000 Award Miles on card activation.
  • High domestic lounge access limit of 32 complimentary visits per year (8 per quarter).
  • Award Miles never expire as long as you hold the credit card.
  • Significant dining discounts of up to 40% via EazyDiner (up to Rs. 1,000).

Cons

  • High joining fee of Rs. 10,000 with no standard annual fee waiver spend.
  • Domestic lounge access is contingent on spending Rs. 50,000 in the previous 3 months.
  • Extremely high APR of 55.55% per annum.

ICICI Bank Sapphiro Credit Card

Pros

  • High-value welcome vouchers worth over ₹9,000 covering travel, shopping, and dining.
  • Dual-card advantage (Amex + Mastercard/Visa) allows for broader acceptance and network-specific offers.
  • Generous movie benefits with Buy 1 Get 1 up to ₹500 twice a month on BookMyShow.
  • Complimentary golf rounds (up to 4 per month) based on spending milestones.

Cons

  • High annual fee of ₹3,500 which is only waived on a relatively high spend of ₹6 lakhs.
  • Domestic lounge access is contingent on a high quarterly spend of ₹75,000.
  • Reward rate on utilities and insurance is low at 1 point per ₹100.

Our Verdict

Both Axis Bank Miles & More World Select Credit Card and ICICI Bank Sapphiro Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Axis Bank Miles & More World Select Credit Card if

Ideal for those who frequently fly with Lufthansa or Star Alliance partners to maximize Award Miles redemption.

Choose ICICI Bank Sapphiro Credit Card if

Offers both domestic and international lounge access along with travel-specific welcome vouchers.

Frequently Asked Questions

Which is better: Axis Bank Miles & More World Select Credit Card or ICICI Bank Sapphiro Credit Card?
Both Axis Bank Miles & More World Select Credit Card and ICICI Bank Sapphiro Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Axis Bank Miles & More World Select Credit Card and ICICI Bank Sapphiro Credit Card?
Axis Bank Miles & More World Select Credit Card has an annual fee of ₹4,500, while ICICI Bank Sapphiro Credit Card has an annual fee of ₹3,500. ICICI Bank Sapphiro Credit Card offers a fee waiver on ₹6,00,000 annual spend.
Which card has better rewards: Axis Bank Miles & More World Select Credit Card or ICICI Bank Sapphiro Credit Card?
Axis Bank Miles & More World Select Credit Card offers a base reward rate of 0.75% with accelerated rewards on Lufthansa Bookings. ICICI Bank Sapphiro Credit Card offers 0.25% base rewards with bonuses on International Spends. The better choice depends on your primary spending categories.
Can I have both Axis Bank Miles & More World Select Credit Card and ICICI Bank Sapphiro Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Miles & More World Select Credit Card and ICICI Bank Sapphiro Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Miles & More World Select Credit Card or ICICI Bank Sapphiro Credit Card?
For beginners, ICICI Bank Sapphiro Credit Card may be more approachable with a lower annual fee of ₹3,500. However, evaluate based on your expected spending pattern rather than fee alone.

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