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ICICI Sapphiro Credit Card vs Kotak White Credit Card

Honest side-by-side comparison of ICICI Sapphiro Credit Card, Kotak White 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.

ICICI Sapphiro Credit Card

ICICI Bank

Kotak White Credit Card

Kotak Mahindra Bank

Your adjusted comparison

Feature
ICICI Sapphiro Credit Card

ICICI Sapphiro Credit Card

ICICI Bank

Kotak White Credit Card

Kotak White Credit Card

Kotak Mahindra Bank

Fees & eligibility
Annual fee₹3,500₹3,000
Fee waiver thresholdNo waiver published₹4,00,000/yr
Min income₹75,000/mo₹50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹1,862/yr-₹3,420/yr
Travel—₹3,000 → 40 pts/mo × ₹0.25/pt = ₹10/mo (₹120/yr)
Top reward rate4 RP/₹1002X reward points
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessDomestic (4/quarter) + 2 international/year · Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year8 domestic (2/quarter) + 4 international/year (Priority Pass) · Domestic lounge gated on ₹1,00,000 spend per quarter (from Jun 2025)
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentEMI · 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 White Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, ICICI Sapphiro Credit Card leads Kotak White Credit Card by about ₹1,558/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 White Credit Card comparison table
FeatureICICI Sapphiro Credit Card

ICICI Bank

Kotak White Credit Card

Kotak Mahindra Bank

Fees & eligibility
Annual fee₹3,500₹3,000
Fee waiver thresholdNo waiver published₹4,00,000/yr
Min income₹75,000/mo₹50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹1,862/yr-₹3,420/yr
Travel—₹3,000 → 40 pts/mo × ₹0.25/pt = ₹10/mo (₹120/yr)
Top reward rate4 RP/₹1002X reward points
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessDomestic (4/quarter) + 2 international/year · Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year8 domestic (2/quarter) + 4 international/year (Priority Pass) · Domestic lounge gated on ₹1,00,000 spend per quarter (from Jun 2025)
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentEMI · Fuel · Rent
Bonuses
Signup bonus₹4,000—

Frequently asked questions

Which card has the lower annual fee?
Kotak White Credit Card has the lowest annual fee at ₹3,000.
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?
Kotak White Credit Card lists a minimum monthly income of ₹50,000.
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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