Head-to-head · 🇮🇳 India
ICICI Sapphiro vs SBI Prime
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
ICICI Bank
ICICI Sapphiro
VISA
Wins 1 of 10
IN
SBI Card
SBI Prime
Wins 7 of 10
Verdict
SBI Prime wins 7-1. Step up from SimplyClick with lounge access. ICICI Sapphiro is still the right call if mid-premium with strong dining + travel mix..
Side-by-side
| Criterion | ICICI Sapphiro | SBI Prime |
|---|---|---|
| Annual fee | · ₹3,500 | ₹2,999 |
| Joining fee | · ₹6,500 | ₹2,999 |
| Top reward rate | · 1% (general) | 5% (shopping) |
| Base reward rate | · 1% | 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 10,000 reward points worth ₹2,500 | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) |
| Fee waiver threshold | · ₹600,000 / yr | ₹300,000 / yr |
| Min income | · ₹1,000,000 | ₹480,000 |
| Min credit score | · 780 | 750 |
| Editorial rating | 4.3/5 | · 4.2/5 |
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
SBI Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
FAQ
›ICICI Sapphiro vs SBI Prime: which is better?
SBI Prime wins on more dimensions (7 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use ICICI Sapphiro for its best categories, SBI Prime 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. SBI Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra).