Vyaya
Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Croma Card SELECT 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

SBI Card - Tata Croma Card SELECT

8.2/10
Annual Fee₹2,999
Base Rewards1%
NetworkVisa
View Full Details

ICICI Bank

ICICI Bank Sapphiro Credit Card

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

Feature-by-Feature Comparison

FeatureSBI Card - Tata Croma Card SELECTICICI Bank Sapphiro Credit Card
Annual Fee₹2,999₹3,500
Joining Fee₹2,999₹6,500
Fee Waiver Spend₹3,00,000₹6,00,000
Base Reward Rate1%0.25%
Reward CurrencyEmpower PointICICI Bank Rewards
NetworkVisaVisa
Editor Rating8.2/108/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - Tata Croma Card SELECT

No accelerated rewards listed

ICICI Bank Sapphiro Credit Card

  • 0% on International Spends

Pros & Cons

SBI Card - Tata Croma Card SELECT

Pros

  • High 5% value back at select Tata outlets like Westside and Taj
  • Direct 2% value back on all Croma and cromaretail.com purchases
  • Welcome and Anniversary vouchers of ₹3,000 effectively cover the annual fee
  • Generous 3% reward rate on Dining, Groceries, and International spends

Cons

  • High annual fee of ₹2,999 with a relatively high waiver threshold of ₹3 Lakh
  • Rewards are primarily optimized for the Tata ecosystem redemption
  • No complimentary international lounge access despite the premium fee

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

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

Choose SBI Card - Tata Croma Card SELECT if

Excellent value back across Croma, Westside, Taj, and other Tata brands.

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: SBI Card - Tata Croma Card SELECT or ICICI Bank Sapphiro Credit Card?
SBI Card - Tata Croma Card SELECT edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Sapphiro Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between SBI Card - Tata Croma Card SELECT and ICICI Bank Sapphiro Credit Card?
SBI Card - Tata Croma Card SELECT has an annual fee of ₹2,999, while ICICI Bank Sapphiro Credit Card has an annual fee of ₹3,500. SBI Card - Tata Croma Card SELECT offers a fee waiver on ₹3,00,000 annual spend. ICICI Bank Sapphiro Credit Card offers a fee waiver on ₹6,00,000 annual spend.
Which card has better rewards: SBI Card - Tata Croma Card SELECT or ICICI Bank Sapphiro Credit Card?
SBI Card - Tata Croma Card SELECT offers a base reward rate of 1%. 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 SBI Card - Tata Croma Card SELECT and ICICI Bank Sapphiro Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - Tata Croma Card SELECT and ICICI Bank Sapphiro Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card - Tata Croma Card SELECT or ICICI Bank Sapphiro Credit Card?
For beginners, SBI Card - Tata Croma Card SELECT may be more approachable with a lower annual fee of ₹2,999. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

SBI Card - Tata Croma Card SELECT vs SBI Card PRIMEICICI Bank Sapphiro Credit Card vs SBI Card PRIMESBI Card - Tata Croma Card SELECT vs Axis Bank Atlas Credit CardICICI Bank Sapphiro Credit Card vs Axis Bank Atlas Credit CardSBI Card - Tata Croma Card SELECT vs SBI Card ELITEICICI Bank Sapphiro Credit Card vs SBI Card ELITE

Explore More

SBI Card - Tata Croma Card SELECT Full ReviewICICI Bank Sapphiro Credit Card Full ReviewAll SBI Card CardsAll ICICI Bank CardsBrowse All Credit CardsCredit Card Guides & Tips