Side-by-side · honest numbers
Bajaj Finserv RBL Bank SuperCard vs ICICI Sapphiro Credit Card
Honest side-by-side comparison of Bajaj Finserv RBL Bank SuperCard, ICICI Sapphiro Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
Bajaj Finserv RBL Bank SuperCard
RBL Bank
ICICI Sapphiro Credit Card
ICICI Bank
Your adjusted comparison
| Feature | Bajaj Finserv RBL Bank SuperCard RBL Bank | ICICI Sapphiro Credit Card ICICI Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹999 | ₹3,500 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₹25,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹899/yr | -₹1,862/yr |
| Online shopping | ₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr) | — |
| Top reward rate | 2X points/₹150 | 4 RP/₹100 |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | Domestic (4/quarter) + 2 international/year · Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI interest · Cash advance | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | ₹4,000 |
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Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/in/en/compare/bajaj-rbl-supercard-vs-icici-sapphiroReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Bajaj Finserv RBL Bank SuperCard leads ICICI Sapphiro Credit Card by about ₹963/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | Bajaj Finserv RBL Bank SuperCard RBL Bank | ICICI Sapphiro Credit Card ICICI Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹999 | ₹3,500 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₹25,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹899/yr | -₹1,862/yr |
| Online shopping | ₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr) | — |
| Top reward rate | 2X points/₹150 | 4 RP/₹100 |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | Domestic (4/quarter) + 2 international/year · Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI interest · Cash advance | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | ₹4,000 |
Frequently asked questions
- Which card has the lower annual fee?
- Bajaj Finserv RBL Bank SuperCard has the lowest annual fee at ₹999.
- Which card earns more on moderate spend?
- Bajaj Finserv RBL Bank SuperCard leads with an estimated -₹899/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Bajaj Finserv RBL Bank SuperCard lists a minimum monthly income of ₹25,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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