Side-by-side · honest numbers
HDFC Bank Infinia Credit Card vs ICICI Sapphiro Credit Card vs SBI Card PRIME
Honest side-by-side comparison of HDFC Bank Infinia Credit Card, ICICI Sapphiro Credit Card, SBI Card PRIME — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, ICICI Sapphiro Credit Card ranks first for estimated net annual value — ahead of SBI Card PRIME by about ₹2,055/yr.
| Feature | HDFC Bank Infinia Credit Card HDFC Bank | ICICI Sapphiro Credit Card ICICI Bank | SBI Card PRIME SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹3,500 | ₹2,999 |
| Fee waiver threshold | ₹10,00,000/yr | No waiver published | ₹5,00,000/yr |
| Min income | ₹1,00,000/mo | ₹75,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹4,128/yr | ₹3,556/yr | ₹1,501/yr |
| Travel | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | — | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 5 RP/₹150 | 4 RP/₹100 | 4X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + international (Priority Pass) · No minimum spend for lounge — invite-only metal card | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site | Domestic lounge visits per year — verify count |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | ₹4,000 | ₹3,000 |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Card PRIME has the lowest annual fee at ₹2,999.
- Which card earns more on moderate spend?
- ICICI Sapphiro Credit Card leads with an estimated ₹3,556/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI Card PRIME lists a minimum monthly income of ₹45,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
HDFC Bank Infinia Credit Card
HDFC Bank
ICICI Sapphiro Credit Card
ICICI Bank
SBI Card PRIME
SBI Card
Your adjusted comparison
| Feature | HDFC BankMetal HDFC Bank Infinia Credit Card •••• •••• •••• 4242 Quick facts HDFC Bank Infinia Credit Card Top reward5 RP/₹150 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back HDFC Bank Infinia Credit Card HDFC Bank | ICICI BankPlatinum ICICI Sapphiro Credit Card •••• •••• •••• 4242 Quick facts ICICI Sapphiro Credit Card Top reward4 RP/₹100 Annual fee₹3,500 Min income₹75,000/mo Tap to flip back ICICI Sapphiro Credit Card ICICI Bank | SBI CardPlatinum SBI Card PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹3,500 | ₹2,999 |
| Fee waiver threshold | ₹10,00,000/yr | No waiver published | ₹5,00,000/yr |
| Min income | ₹1,00,000/mo | ₹75,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹4,128/yr | ₹3,556/yr | ₹1,501/yr |
| Travel | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | — | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 5 RP/₹150 | 4 RP/₹100 | 4X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + international (Priority Pass) · No minimum spend for lounge — invite-only metal card | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site | Domestic lounge visits per year — verify count |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | ₹4,000 | ₹3,000 |
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https://cardhungry.com/in/en/compare/hdfc-infinia-vs-icici-sapphiro-vs-sbi-primeMore HDFC Bank Infinia Credit Card comparisons
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