Head-to-head · 🇮🇳 India
ICICI Sapphiro vs ICICI Platinum Chip
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
ICICI Bank
ICICI Sapphiro
VISA
Wins 4 of 10
IN
ICICI Bank
ICICI Platinum Chip
VISA
Wins 4 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | ICICI Sapphiro | ICICI Platinum Chip |
|---|---|---|
| Annual fee | · ₹3,500 | No annual fee |
| Joining fee | · ₹6,500 | None |
| Top reward rate | 1% (general) | · 0.5% (general) |
| Base reward rate | 1% | · 0.5% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 10,000 reward points worth ₹2,500 | = No welcome bonus — fee-free for life |
| Fee waiver threshold | ₹600,000 / yr | · N/A (no fee) |
| Min income | · ₹1,000,000 | ₹200,000 |
| Min credit score | · 780 | 700 |
| Editorial rating | 4.3/5 | · 3.6/5 |
Benefits compared
ICICI Sapphiro
- 4 PAYBACK points per ₹100
- 2 complimentary international + 4 domestic lounge visits/year
- 15% off at 800+ restaurants (Culinary Treats)
- 25% off BookMyShow tickets
- Comprehensive travel insurance
ICICI Platinum Chip
- 2 PAYBACK points per ₹100
- 15% off at 800+ restaurants
- 1% fuel surcharge waiver
- Lifetime free, no annual fee ever
FAQ
›ICICI Sapphiro vs ICICI Platinum Chip: which is better?
It's a true tie — pick the one whose boost categories match your spend. ICICI Sapphiro wins on 4 criteria, ICICI Platinum Chip on 4.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use ICICI Sapphiro for its best categories, ICICI Platinum Chip for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
ICICI Sapphiro: 10,000 reward points worth ₹2,500. ICICI Platinum Chip: No welcome bonus — fee-free for life.