Side-by-side · honest numbers
ICICI Sapphiro Credit Card vs SBI Cashback Credit Card
Honest side-by-side comparison of ICICI Sapphiro Credit Card, SBI Cashback 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
SBI Cashback Credit Card
SBI Card
Your adjusted comparison
| Feature | ICICI Sapphiro Credit Card ICICI Bank | SBI Cashback Credit Card SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹3,500 | ₹999 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend |
| Min income | ₹75,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹1,862/yr | ₹5,520/yr |
| Online shopping | — | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo |
| Top reward rate | 4 RP/₹100 | 5% |
| Primary reward cap | No monthly cap published | ₹2,000 rewards/mo cap |
| 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 | Fuel · Utilities · Insurance · Rent · Wallet loads |
| Bonuses | ||
| Signup bonus | ₹4,000 | — |
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https://cardhungry.com/in/en/compare/icici-sapphiro-vs-sbi-cashbackReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, SBI Cashback Credit Card leads ICICI Sapphiro Credit Card by about ₹7,382/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
| Feature | ICICI Sapphiro Credit Card ICICI Bank | SBI Cashback Credit Card SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹3,500 | ₹999 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend |
| Min income | ₹75,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹1,862/yr | ₹5,520/yr |
| Online shopping | — | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo |
| Top reward rate | 4 RP/₹100 | 5% |
| Primary reward cap | No monthly cap published | ₹2,000 rewards/mo cap |
| 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 | Fuel · Utilities · Insurance · Rent · Wallet loads |
| Bonuses | ||
| Signup bonus | ₹4,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Cashback Credit Card has the lowest annual fee at ₹999.
- Which card earns more on moderate spend?
- SBI Cashback Credit Card leads with an estimated ₹5,520/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI Cashback Credit Card 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.
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