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ICICI Sapphiro Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of ICICI Sapphiro Credit Card, SBI Card against Fixed Deposit — 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 Card against Fixed Deposit

SBI Card

Your adjusted comparison

Feature
ICICI Sapphiro Credit Card

ICICI Sapphiro Credit Card

ICICI Bank

SBI Card against Fixed Deposit credit card

SBI Card against Fixed Deposit

SBI Card

Fees & eligibility
Annual fee₹3,500Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income₹75,000/moNot stated
Secured / FD-backedStandardFD-backed
Rewards
Net annual value (moderate)-₹1,862/yr₹1,440/yr
Top reward rate4 RP/₹10080% of FD value
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)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentNot stated
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 →SBI Card against Fixed Deposit details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Card against Fixed Deposit leads ICICI Sapphiro Credit Card by about ₹3,302/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 SBI Card against Fixed Deposit comparison table
FeatureICICI Sapphiro Credit Card

ICICI Bank

SBI Card against Fixed Deposit

SBI Card

Fees & eligibility
Annual fee₹3,500Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income₹75,000/moNot stated
Secured / FD-backedStandardFD-backed
Rewards
Net annual value (moderate)-₹1,862/yr₹1,440/yr
Top reward rate4 RP/₹10080% of FD value
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)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentNot stated
Bonuses
Signup bonus₹4,000—

Frequently asked questions

Which card has the lower annual fee?
SBI Card against Fixed Deposit has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
SBI Card against Fixed Deposit leads with an estimated ₹1,440/yr net annual value on moderate spend.
Which card has the lower income requirement?
ICICI Sapphiro Credit Card lists a minimum monthly income of ₹75,000.
Which cards are secured (FD-backed)?
SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
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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