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ICICI Sapphiro Credit Card vs OneCard Metal Credit Card

Honest side-by-side comparison of ICICI Sapphiro Credit Card, OneCard Metal 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

OneCard Metal Credit Card

OneCard (BOB/FPL)

Your adjusted comparison

Feature
ICICI Sapphiro Credit Card

ICICI Sapphiro Credit Card

ICICI Bank

OneCard Metal Credit Card

OneCard Metal Credit Card

OneCard (BOB/FPL)

Fees & eligibility
Annual fee₹3,500Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income₹75,000/mo₹15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹1,862/yr₹3,120/yr
Top reward rate4 RP/₹1001% cashback
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/yearNone
UPI rewardsNot 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 exclusionsEMI · Fuel · RentEMI · 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 →OneCard Metal Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, OneCard Metal Credit Card leads ICICI Sapphiro Credit Card by about ₹4,982/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 OneCard Metal Credit Card comparison table
FeatureICICI Sapphiro Credit Card

ICICI Bank

OneCard Metal Credit Card

OneCard (BOB/FPL)

Fees & eligibility
Annual fee₹3,500Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income₹75,000/mo₹15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹1,862/yr₹3,120/yr
Top reward rate4 RP/₹1001% cashback
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/yearNone
UPI rewardsNot 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 exclusionsEMI · Fuel · RentEMI · 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 ₹3,120/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.

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