Which card has the lower annual fee?

Kotak League Platinum has the lowest annual fee at ₹499.

Which card earns more on moderate spend?

Kotak League Platinum leads with an estimated ₹911/yr net annual value on moderate spend.

Which card has the lower income requirement?

Kotak League Platinum 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.

Side-by-side · honest numbers

ICICI Sapphiro Credit Card vs Kotak League Platinum

Honest side-by-side comparison of ICICI Sapphiro Credit Card, Kotak League Platinum — 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

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

ICICI Sapphiro Credit Card

ICICI Bank

Card 2

Kotak League Platinum

Kotak Mahindra Bank

Your adjusted comparison

Feature	ICICI Sapphiro Credit Card ICICI Bank	Kotak League Platinum Kotak Mahindra Bank
Fees & eligibility
Annual fee	₹3,500	₹499
Fee waiver threshold	No waiver published	No waiver published
Min income	₹75,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹1,862/yr	₹911/yr
Top reward rate	4 RP/₹100	2 RP/₹150
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	Domestic (4/quarter) + 2 international/year · Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	EMI · 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.

ICICI Sapphiro Credit Card details →Kotak League Platinum details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Kotak League Platinum leads ICICI Sapphiro Credit Card by about ₹2,773/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

ICICI Sapphiro Credit Card vs Kotak League Platinum comparison table
Feature	ICICI Sapphiro Credit Card ICICI Bank	Kotak League Platinum Kotak Mahindra Bank
Fees & eligibility
Annual fee	₹3,500	₹499
Fee waiver threshold	No waiver published	No waiver published
Min income	₹75,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹1,862/yr	₹911/yr
Top reward rate	4 RP/₹100	2 RP/₹150
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	Domestic (4/quarter) + 2 international/year · Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	EMI · Fuel · Rent
Bonuses
Signup bonus	₹4,000	—

Frequently asked questions

Which card has the lower annual fee?: Kotak League Platinum has the lowest annual fee at ₹499.
Which card earns more on moderate spend?: Kotak League Platinum leads with an estimated ₹911/yr net annual value on moderate spend.
Which card has the lower income requirement?: Kotak League Platinum 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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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