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Side-by-Side Comparison|Updated March 2026

Delhi Metro SBI 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.

SBI Card

Delhi Metro SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
NetworkVisa
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ICICI Bank

ICICI Bank Sapphiro Credit Card

8/10
Annual Fee₹3,500
Base Rewards0.25%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureDelhi Metro SBI CardICICI Bank Sapphiro Credit Card
Annual Fee₹499₹3,500
Joining Fee₹499₹6,500
Fee Waiver Spend₹1,00,000₹6,00,000
Base Reward Rate0.25%0.25%
Reward CurrencyReward PointsICICI Bank Rewards
NetworkVisaVisa
Editor Rating7.2/108/10
Forex Markup3.5%3.5%

Accelerated Rewards

Delhi Metro SBI Card

  • 0% on Dining
  • 0% on Movies
  • 0% on Groceries
  • 0% on Departmental Stores
  • 0% on Utility Bill Payments

ICICI Bank Sapphiro Credit Card

  • 0% on International Spends

Pros & Cons

Delhi Metro SBI Card

Pros

  • Dual-purpose card functioning as both a credit card and a Delhi Metro Smart Card.
  • Auto top-up facility of ₹200 whenever the metro balance falls below ₹100.
  • 10x reward points on daily essentials like groceries, dining, and utility bills.
  • 10% discount on Delhi Metro fares, consistent with standard smart card benefits.

Cons

  • Monthly reward points are capped at 5,000 per statement cycle.
  • No complimentary domestic or international airport lounge access.
  • Low base reward rate of 0.25% on non-accelerated categories.

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

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

Choose Delhi Metro SBI Card if

The auto top-up and fare discounts make it highly convenient for regular Delhi Metro users.

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: Delhi Metro SBI Card or ICICI Bank Sapphiro Credit Card?
ICICI Bank Sapphiro Credit Card edges ahead overall with a stronger combination of rewards and value. However, Delhi Metro SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Delhi Metro SBI Card and ICICI Bank Sapphiro Credit Card?
Delhi Metro SBI Card has an annual fee of ₹499, while ICICI Bank Sapphiro Credit Card has an annual fee of ₹3,500. Delhi Metro SBI Card offers a fee waiver on ₹1,00,000 annual spend. ICICI Bank Sapphiro Credit Card offers a fee waiver on ₹6,00,000 annual spend.
Which card has better rewards: Delhi Metro SBI Card or ICICI Bank Sapphiro Credit Card?
Delhi Metro SBI Card offers a base reward rate of 0.25% with accelerated rewards on Dining and Movies. 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 Delhi Metro SBI Card and ICICI Bank Sapphiro Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Delhi Metro SBI Card and ICICI Bank Sapphiro Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Delhi Metro SBI Card or ICICI Bank Sapphiro Credit Card?
For beginners, Delhi Metro SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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