ICICI Bank Sapphiro Credit Card vs IndusInd Legend Credit Card
ICICI Bank · IndusInd Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
ICICI BankScoreVery Good
Annual Fee₹3,500
Max Reward4%
IndusInd BankScoreGood
Annual FeeFree
Max Reward2%
ICICI Bank Sapphiro Credit Card leads overall with a CardCheck Score of 75/100 (+8 pts over IndusInd Legend Credit Card).
4-Pillar Head-to-Head Breakdown
ICICI vs IndusIndReward Power
35%ICICI31/35
IndusInd24/35
ICICI Wins
Fee Value & ROI
25%ICICI18/25
IndusInd25/25
IndusInd Wins
Lounge & Travel
20%ICICI18/20
IndusInd4/20
ICICI Wins
Forex & Access
20%ICICI8/20
IndusInd14/20
IndusInd Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 75Best
- 67
- Rating Verdict
- Very Good
- Good
- Reward Power (35%)
- 31/35
- 24/35
- Fee Value & ROI (25%)
- 18/25
- 25/25
- Lounge & Travel (20%)
- 18/20
- 4/20
- Forex & Access (20%)
- 8/20
- 14/20
02—Basic Info
- Bank
- ICICI Bank
- IndusInd Bank
- Network
- Visa, Mastercard, Amex
- Visa
- Card type
- Premium
- Premium
- Best for
- Premium travel and rewards
- Lifetime-free with lounge access — 4X on dining, weekend entertainment
03—Fees
- Joining fee
- ₹6,500
- ₹5,000Best
- Annual fee
- ₹3,500
- FreeBest
- Fee waiver
- ₹6,00,000
- —
- Interest-free days
- 48
- —
04—Interest
- APR (min)
- 40.8%Best
- 47.4%
- APR (max)
- 45%Best
- 47.4%
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 1%
- 1%
- Max rate
- 4%Best
- 2%
- Points / ₹100
- 4Best
- 1
- Point value
- ₹0.25
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 4Best
- 0
- Lounge spend criteria
- No spend condition
- —
- Intl lounge / year
- 2Best
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 1.8%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- —
- Min income / month
- ₹75,000
- —
- Min CIBIL
- 750
- —
- Invite only
Rows won
07of 10
03of 10
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 75Best | 67 |
| Rating Verdict | Very Good | Good |
| Reward Power (35%) | 31/35 | 24/35 |
| Fee Value & ROI (25%) | 18/25 | 25/25 |
| Lounge & Travel (20%) | 18/20 | 4/20 |
| Forex & Access (20%) | 8/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | ICICI Bank | IndusInd Bank |
| Network | Visa, Mastercard, Amex | Visa |
| Card type | Premium | Premium |
| Best for | Premium travel and rewards | Lifetime-free with lounge access — 4X on dining, weekend entertainment |
03—Fees Differences highlighted | ||
| Joining fee | ₹6,500 | ₹5,000Best |
| Annual fee | ₹3,500 | FreeBest |
| Fee waiver | ₹6,00,000 | — |
| Interest-free days | 48 | — |
04—Interest Differences highlighted | ||
| APR (min) | 40.8%Best | 47.4% |
| APR (max) | 45%Best | 47.4% |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1% | 1% |
| Max rate | 4%Best | 2% |
| Points / ₹100 | 4Best | 1 |
| Point value | ₹0.25 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 4Best | 0 |
| Lounge spend criteria | No spend condition | — |
| Intl lounge / year | 2Best | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 1.8%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | — |
| Min income / month | ₹75,000 | — |
| Min CIBIL | 750 | — |
| Invite only | ||
| Rows won | 07of 10 | 03of 10 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | ICICI Bank Sapphiro Credit Card | IndusInd Legend Credit Card |
|---|---|---|
| CardCheck Score | 75/100Very Good | 67/100Good |
| Annual Fee | ₹3,500 | Free (₹0) |
| Fee Waiver Spend | ₹6L/yr | No waiver |
| Max Reward Potential | 4% | 2% |
| Domestic Lounge Access | 4 / quarter | None |
| International Lounge | 2 / year | None |
| Forex Markup Fee | 3.5% | 1.8% |
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 IndusInd Legend Credit Card if:
Your spending aligns with lifetime-free with lounge access — 4x on dining, weekend entertainment and you prioritize IndusInd Bank's redemption benefits.
Frequently asked questions: ICICI Bank Sapphiro Credit Card vs IndusInd Legend Credit Card
- Which is better: ICICI Bank Sapphiro Credit Card or IndusInd Legend Credit Card?
- ICICI Bank Sapphiro Credit Card holds a higher overall rating with a CardCheck Score of 75/100 (Very Good) compared to 67/100 (Good) for IndusInd Legend Credit Card (a lead of +8 points). ICICI Bank Sapphiro Credit Card provides better net value across rewards and fee structures.
- 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, IndusInd Legend 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 IndusInd Legend Credit Card?
- ICICI Bank Sapphiro Credit Card offers a base reward rate of 1% and up to 4% on accelerated partner categories. Meanwhile, IndusInd Legend Credit Card offers a base rate of 1% and up to 2% 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 IndusInd Legend 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, IndusInd Legend Credit Card provides no complimentary airport lounge access.
- Which card is better for international foreign currency spends?
- ICICI Bank Sapphiro Credit Card levies a foreign currency markup fee of 3.5%, while IndusInd Legend Credit Card charges 1.8%. 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).