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HDFC Bank Infinia Credit Card vs ICICI Sapphiro Credit Card

Honest side-by-side comparison of HDFC Bank Infinia Credit Card, ICICI Sapphiro Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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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.

HDFC Bank Infinia Credit Card

HDFC Bank

ICICI Sapphiro Credit Card

ICICI Bank

Your adjusted comparison

Feature
HDFC Bank Infinia Credit Card

HDFC Bank Infinia Credit Card

HDFC Bank

ICICI Sapphiro Credit Card

ICICI Sapphiro Credit Card

ICICI Bank

Fees & eligibility
Annual fee₹12,500₹3,500
Fee waiver threshold₹10,00,000/yrNo waiver published
Min income₹1,00,000/mo₹75,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹8,246/yr-₹1,862/yr
Travel₹3,000 → 100 pts/mo × ₹1/pt = ₹100/mo (₹1,200/yr)—
Top reward rate5 RP/₹1504 RP/₹100
Primary reward cap3,000 accelerated pts/moNo monthly cap published
Perks & restrictions
Lounge accessDomestic + international (Priority Pass) — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in the previous calendar quarter required for domestic lounge; international per PP rules — verify MITCDomestic (4/quarter) + 2 international/year · Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · WalletEMI · Fuel · Rent
Bonuses
Signup bonus—₹4,000

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

HDFC Bank Infinia Credit Card details →ICICI Sapphiro Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, ICICI Sapphiro Credit Card leads HDFC Bank Infinia Credit Card by about ₹6,384/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

HDFC Bank Infinia Credit Card vs ICICI Sapphiro Credit Card comparison table
FeatureHDFC Bank Infinia Credit Card

HDFC Bank

ICICI Sapphiro Credit Card

ICICI Bank

Fees & eligibility
Annual fee₹12,500₹3,500
Fee waiver threshold₹10,00,000/yrNo waiver published
Min income₹1,00,000/mo₹75,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹8,246/yr-₹1,862/yr
Travel₹3,000 → 100 pts/mo × ₹1/pt = ₹100/mo (₹1,200/yr)—
Top reward rate5 RP/₹1504 RP/₹100
Primary reward cap3,000 accelerated pts/moNo monthly cap published
Perks & restrictions
Lounge accessDomestic + international (Priority Pass) — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in the previous calendar quarter required for domestic lounge; international per PP rules — verify MITCDomestic (4/quarter) + 2 international/year · Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · WalletEMI · Fuel · Rent
Bonuses
Signup bonus—₹4,000

Frequently asked questions

Which card has the lower annual fee?
ICICI Sapphiro Credit Card has the lowest annual fee at ₹3,500.
Which card earns more on moderate spend?
ICICI Sapphiro Credit Card leads with an estimated -₹1,862/yr net annual value on moderate spend.
Which card has the lower income requirement?
ICICI Sapphiro Credit Card lists a minimum monthly income of ₹75,000.
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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