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Side-by-Side Comparison|Updated March 2026

ICICI Bank Sapphiro Credit Card vs SBI Card PRIME

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

ICICI Bank

ICICI Bank Sapphiro Credit Card

8/10
Annual Fee₹3,500
Base Rewards0.25%
NetworkVisa
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SBI Card

SBI Card PRIME

7.2/10
Annual Fee₹2,999
Base Rewards0.125%
NetworkVisa
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Feature-by-Feature Comparison

FeatureICICI Bank Sapphiro Credit CardSBI Card PRIME
Annual Fee₹3,500₹2,999
Joining Fee₹6,500₹2,999
Fee Waiver Spend₹6,00,000₹3,00,000
Base Reward Rate0.25%0.125%
Reward CurrencyICICI Bank RewardsReward Points
NetworkVisaVisa
Editor Rating8/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank Sapphiro Credit Card

  • 0% on International Spends

SBI Card PRIME

  • 0% on Dining
  • 0% on Groceries
  • 0% on Movies

Pros & Cons

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.

SBI Card PRIME

Pros

  • Accelerated 10 Reward Points per ₹100 on dining, groceries, and movies (2.5% value back).
  • Generous welcome benefit with a ₹3,000 e-gift voucher that offsets the joining fee.
  • Comprehensive lounge access with 8 domestic and 4 international visits annually.
  • Milestone vouchers worth up to ₹11,000 annually on reaching spend targets.

Cons

  • Low base reward rate of 0.5% (2 points per ₹100) on general spends.
  • High foreign currency markup of 3.5% compared to other premium cards.
  • Reward points on utility bills are capped and only applicable for standing instructions.

Our Verdict

ICICI Bank Sapphiro Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card PRIME could be the better pick if its specific category strengths match your spending habits.

Choose ICICI Bank Sapphiro Credit Card if

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

Choose SBI Card PRIME if

High rewards on everyday categories like dining, groceries, and movies.

Frequently Asked Questions

Which is better: ICICI Bank Sapphiro Credit Card or SBI Card PRIME?
ICICI Bank Sapphiro Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card PRIME could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between ICICI Bank Sapphiro Credit Card and SBI Card PRIME?
ICICI Bank Sapphiro Credit Card has an annual fee of ₹3,500, while SBI Card PRIME has an annual fee of ₹2,999. ICICI Bank Sapphiro Credit Card offers a fee waiver on ₹6,00,000 annual spend. SBI Card PRIME offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: ICICI Bank Sapphiro Credit Card or SBI Card PRIME?
ICICI Bank Sapphiro Credit Card offers a base reward rate of 0.25% with accelerated rewards on International Spends. SBI Card PRIME offers 0.125% base rewards with bonuses on Dining and Groceries. The better choice depends on your primary spending categories.
Can I have both ICICI Bank Sapphiro Credit Card and SBI Card PRIME?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank Sapphiro Credit Card and SBI Card PRIME can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank Sapphiro Credit Card or SBI Card PRIME?
For beginners, SBI Card PRIME may be more approachable with a lower annual fee of ₹2,999. However, evaluate based on your expected spending pattern rather than fee alone.

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