ICICI Bank Sapphiro Credit Card vs Air India SBI Signature Credit Card
ICICI Bank · SBI Card — 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%
SBI CardScoreVery Good
Annual Fee₹4,999
Max Reward7.5%
Air India SBI Signature Credit Card leads overall with a CardCheck Score of 76/100 (+1 pts over ICICI Bank Sapphiro Credit Card).
4-Pillar Head-to-Head Breakdown
ICICI vs AirReward Power
35%ICICI31/35
Air35/35
Air Wins
Fee Value & ROI
25%ICICI18/25
Air18/25
Tie (18/25)
Lounge & Travel
20%ICICI18/20
Air15/20
ICICI Wins
Forex & Access
20%ICICI8/20
Air8/20
Tie (8/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 75
- 76Best
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 31/35
- 35/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- Lounge & Travel (20%)
- 18/20
- 15/20
- Forex & Access (20%)
- 8/20
- 8/20
02—Basic Info
- Bank
- ICICI Bank
- SBI Card
- Network
- Visa
- Visa
- Card type
- Premium
- Co-branded
- Best for
- Premium lifestyle — lounge access, golf, dining and travel rewards
- Air India loyalists — earn Flying Returns miles on everyday spend
03—Fees
- Joining fee
- ₹6,500
- ₹4,999Best
- Annual fee
- ₹3,500Best
- ₹4,999
- Fee waiver
- ₹6,00,000
- ₹5,00,000Best
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%
- 42%
- Late payment fee
- ₹1,200Best
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- miles
- Min rate
- 0.5%
- 1%Best
- Max rate
- 4%
- 7.5%Best
- Points / ₹100
- 4
- —
- Point value
- ₹0.25
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 4Best
- 2
- Intl lounge / year
- 4Best
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 18
- 21
- Min income / month
- ₹75,000
- ₹75,000
- Min CIBIL
- 750
- 750
- Invite only
Rows won
04of 09
05of 09
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 75 | 76Best |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 31/35 | 35/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 |
| Lounge & Travel (20%) | 18/20 | 15/20 |
| Forex & Access (20%) | 8/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | ICICI Bank | SBI Card |
| Network | Visa | Visa |
| Card type | Premium | Co-branded |
| Best for | Premium lifestyle — lounge access, golf, dining and travel rewards | Air India loyalists — earn Flying Returns miles on everyday spend |
03—Fees Differences highlighted | ||
| Joining fee | ₹6,500 | ₹4,999Best |
| Annual fee | ₹3,500Best | ₹4,999 |
| Fee waiver | ₹6,00,000 | ₹5,00,000Best |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42% | 42% |
| Late payment fee | ₹1,200Best | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | miles |
| Min rate | 0.5% | 1%Best |
| Max rate | 4% | 7.5%Best |
| Points / ₹100 | 4 | — |
| Point value | ₹0.25 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 4Best | 2 |
| Intl lounge / year | 4Best | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 18 | 21 |
| Min income / month | ₹75,000 | ₹75,000 |
| Min CIBIL | 750 | 750 |
| Invite only | ||
| Rows won | 04of 09 | 05of 09 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | ICICI Bank Sapphiro Credit Card | Air India SBI Signature Credit Card |
|---|---|---|
| CardCheck Score | 75/100Very Good | 76/100Very Good |
| Annual Fee | ₹3,500 | ₹4,999 |
| Fee Waiver Spend | ₹6L/yr | ₹5L/yr |
| Max Reward Potential | 4% | 7.5% |
| Domestic Lounge Access | 4 / quarter | 2 / quarter |
| International Lounge | 4 / year | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose ICICI Bank Sapphiro Credit Card if:
Your spending centers around premium lifestyle — lounge access, golf, dining and travel rewards and you want direct partner rewards with ICICI Bank.
Choose Air India SBI Signature Credit Card if:
Your spending aligns with air india loyalists — earn flying returns miles on everyday spend and you prioritize SBI Card's redemption benefits.
Frequently asked questions: ICICI Bank Sapphiro Credit Card vs Air India SBI Signature Credit Card
- Which is better: ICICI Bank Sapphiro Credit Card or Air India SBI Signature Credit Card?
- Air India SBI Signature Credit Card holds a higher overall rating with a CardCheck Score of 76/100 (Very Good) compared to 75/100 (Very Good) for ICICI Bank Sapphiro Credit Card (a lead of +1 points). Air India SBI Signature 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, Air India SBI Signature Credit Card charges an annual fee of ₹4,999 with an annual spend threshold of ₹5 Lakh.
- How do the reward rates and cashback compare between ICICI Bank Sapphiro Credit Card and Air India SBI Signature Credit Card?
- ICICI Bank Sapphiro Credit Card offers a base reward rate of 0.5% and up to 4% on accelerated partner categories. Meanwhile, Air India SBI Signature Credit Card offers a base rate of 1% and up to 7.5% 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 Air India SBI Signature Credit Card?
- ICICI Bank Sapphiro Credit Card provides 4 domestic lounge visit(s) per quarter and 4 international lounge visit(s)/yr. On the other hand, Air India SBI Signature Credit Card provides 2 domestic lounge visit(s) per quarter. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock 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 Air India SBI Signature Credit Card charges 3.5%. 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).