ICICI Bank Sapphiro Credit Card vs IDFC FIRST Wealth Credit Card
ICICI Bank · IDFC FIRST Bank — side-by-side CardCheck comparison
·4.4/ 5
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
ICICI BankScoreVery Good
Annual Fee₹3,500
Max Reward4%
IDFC FIRST BankScoreExcellent
Annual FeeFree
Max Reward5%
IDFC FIRST Wealth Credit Card leads overall with a CardCheck Score of 84/100 (+9 pts over ICICI Bank Sapphiro Credit Card).
4-Pillar Head-to-Head Breakdown
ICICI vs IDFCReward Power
35%ICICI31/35
IDFC34/35
IDFC Wins
Fee Value & ROI
25%ICICI18/25
IDFC25/25
IDFC Wins
Lounge & Travel
20%ICICI18/20
IDFC11/20
ICICI Wins
Forex & Access
20%ICICI8/20
IDFC14/20
IDFC Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 75
- 84Best
- Rating Verdict
- Very Good
- Excellent
- Reward Power (35%)
- 31/35
- 34/35
- Fee Value & ROI (25%)
- 18/25
- 25/25
- Lounge & Travel (20%)
- 18/20
- 11/20
- Forex & Access (20%)
- 8/20
- 14/20
02—Basic Info
- Bank
- ICICI Bank
- IDFC FIRST Bank
- Network
- Visa
- Visa
- Card type
- Premium
- Premium
- Best for
- Premium travel and rewards
- IDFC's flagship lifetime-free premium — 0% forex, 10X on top spends, 4 lounge/quarter
03—Fees
- Joining fee
- ₹6,500
- FreeBest
- Annual fee
- ₹3,500
- FreeBest
- Fee waiver
- ₹6,00,000
- —
- Interest-free days
- 48Best
- 45
04—Interest
- APR (min)
- 40.8%
- 8.5%Best
- APR (max)
- 45%Best
- 46.2%
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- 0%Best
05—Rewards
- Reward type
- points
- points
- Min rate
- 1%
- 1%
- Max rate
- 4%
- 5%Best
- Points / ₹100
- 4Best
- 1
- Point value
- ₹0.25
- ₹0.25
06—Travel & Lounge
- Domestic lounge / qtr
- 4Best
- 1
- Lounge spend criteria
- No spend condition
- No spend condition
- Intl lounge / year
- 2
- 4Best
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 1.5%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹75,000
- ₹3,00,000
- Invite only
Rows won
04of 12
08of 12
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 75 | 84Best |
| Rating Verdict | Very Good | Excellent |
| Reward Power (35%) | 31/35 | 34/35 |
| Fee Value & ROI (25%) | 18/25 | 25/25 |
| Lounge & Travel (20%) | 18/20 | 11/20 |
| Forex & Access (20%) | 8/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | ICICI Bank | IDFC FIRST Bank |
| Network | Visa | Visa |
| Card type | Premium | Premium |
| Best for | Premium travel and rewards | IDFC's flagship lifetime-free premium — 0% forex, 10X on top spends, 4 lounge/quarter |
03—Fees Differences highlighted | ||
| Joining fee | ₹6,500 | FreeBest |
| Annual fee | ₹3,500 | FreeBest |
| Fee waiver | ₹6,00,000 | — |
| Interest-free days | 48Best | 45 |
04—Interest Differences highlighted | ||
| APR (min) | 40.8% | 8.5%Best |
| APR (max) | 45%Best | 46.2% |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | 0%Best |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1% | 1% |
| Max rate | 4% | 5%Best |
| Points / ₹100 | 4Best | 1 |
| Point value | ₹0.25 | ₹0.25 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 4Best | 1 |
| Lounge spend criteria | No spend condition | No spend condition |
| Intl lounge / year | 2 | 4Best |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 1.5%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹75,000 | ₹3,00,000 |
| Invite only | ||
| Rows won | 04of 12 | 08of 12 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | ICICI Bank Sapphiro Credit Card | IDFC FIRST Wealth Credit Card |
|---|---|---|
| CardCheck Score | 75/100Very Good | 84/100Excellent |
| Annual Fee | ₹3,500 | Free (₹0) |
| Fee Waiver Spend | ₹6L/yr | No waiver |
| Max Reward Potential | 4% | 5% |
| Domestic Lounge Access | 4 / quarter | 1 / quarter |
| International Lounge | 2 / year | 4 / year |
| Forex Markup Fee | 3.5% | 1.5% |
Choose ICICI Bank Sapphiro Credit Card if:
Your spending centers around premium travel and rewards and you want direct partner rewards with ICICI Bank.
Choose IDFC FIRST Wealth Credit Card if:
Your spending aligns with idfc's flagship lifetime-free premium — 0% forex, 10x on top spends, 4 lounge/quarter and you prioritize IDFC FIRST Bank's redemption benefits.
Frequently asked questions: ICICI Bank Sapphiro Credit Card vs IDFC FIRST Wealth Credit Card
- Which is better: ICICI Bank Sapphiro Credit Card or IDFC FIRST Wealth Credit Card?
- IDFC FIRST Wealth Credit Card holds a higher overall rating with a CardCheck Score of 84/100 (Excellent) compared to 75/100 (Very Good) for ICICI Bank Sapphiro Credit Card (a lead of +9 points). IDFC FIRST Wealth Credit Card gains its scoring lead primarily through fee value & ROI (25 vs 18) and forex & terms (14 vs 8).
- How do annual fees and fee waiver spend rules compare?
- ICICI Bank Sapphiro Credit Card charges an annual fee of ₹3,500 with an annual spend threshold of ₹6 Lakh for renewal fee waiver. In comparison, IDFC FIRST Wealth Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between ICICI Bank Sapphiro Credit Card and IDFC FIRST Wealth Credit Card?
- ICICI Bank Sapphiro Credit Card offers a base reward rate of 1% and up to 4% on accelerated partner categories. Meanwhile, IDFC FIRST Wealth Credit Card offers a base rate of 1% and up to 5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: ICICI Bank Sapphiro Credit Card or IDFC FIRST Wealth Credit Card?
- ICICI Bank Sapphiro Credit Card provides 4 complimentary domestic lounge visits per quarter (16/year) and 2 international lounge visits/year with Priority Pass. On the other hand, IDFC FIRST Wealth Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year) and 4 international lounge visits/year.
- Which card is better for international foreign currency spends?
- ICICI Bank Sapphiro Credit Card levies a foreign currency markup fee of 3.5%, while IDFC FIRST Wealth Credit Card charges 1.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).