Side-by-side · honest numbers
ICICI Sapphiro Credit Card vs Kotak Urbane Gold Credit Card vs OneCard Metal Credit Card
Honest side-by-side comparison of ICICI Sapphiro Credit Card, Kotak Urbane Gold Credit Card, OneCard Metal Credit Card — 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, OneCard Metal Credit Card ranks first for estimated net annual value — ahead of ICICI Sapphiro Credit Card by about ₹404/yr.
| Feature | ICICI Sapphiro Credit Card ICICI Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank | OneCard Metal Credit Card OneCard (BOB/FPL) |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,500 | ₹1,999 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹75,000/mo | ₹30,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,556/yr | ₹140/yr | ₹3,960/yr |
| Dining & delivery | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) | — |
| Top reward rate | 4 RP/₹100 | 3X reward points | 1% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Rent |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- OneCard Metal Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- OneCard Metal Credit Card leads with an estimated ₹3,960/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- OneCard Metal Credit Card lists a minimum monthly income of ₹15,000.
- 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.
ICICI Sapphiro Credit Card
ICICI Bank
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
OneCard Metal Credit Card
OneCard (BOB/FPL)
Your adjusted comparison
| Feature | 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 | Kotak Mahindra BankGold Kotak Urbane Gold Credit Card •••• •••• •••• 4242 Quick facts Kotak Urbane Gold Credit Card Top reward3X reward points Annual fee₹1,999 Min income₹30,000/mo Tap to flip back Kotak Urbane Gold Credit Card Kotak Mahindra Bank | OneCard (BOB/FPL)Metal OneCard Metal Credit Card •••• •••• •••• 4242 Quick facts OneCard Metal Credit Card Top reward1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back OneCard Metal Credit Card OneCard (BOB/FPL) |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,500 | ₹1,999 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹75,000/mo | ₹30,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,556/yr | ₹140/yr | ₹3,960/yr |
| Dining & delivery | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) | — |
| Top reward rate | 4 RP/₹100 | 3X reward points | 1% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Rent |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | — |
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https://cardhungry.com/in/en/compare/icici-sapphiro-vs-kotak-urbane-vs-onecardMore ICICI Sapphiro Credit Card comparisons
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