ICICI Bank Sapphiro Credit Card vs SBI Card PRIME
✓ Independent — ₹0 issuer commissionno affiliate links, no Apply-Now buttons; terms verified against official sources 2026-07-16.How we calculate →
Short answer: at ₹30,000/month typical spend, SBI Card PRIME earns about ₹2,620 more a year. Details below — verified from official terms.
Net annual value by spend level
| Total monthly spend | ICICI Bank Sapphiro Credit Card | SBI Card PRIME | Winner |
|---|---|---|---|
| ₹15,000 | ₹3,894 | ₹3,471 | ICICI Bank Sapphiro Credit Card +₹423 |
| ₹30,000 | ₹8,430 | ₹11,050 | SBI Card PRIME +₹2,620 |
| ₹60,000 | ₹18,620 | ₹22,100 | SBI Card PRIME +₹3,480 |
Head to head
| ICICI Bank Sapphiro Credit Card | SBI Card PRIME | |
|---|---|---|
| Annual fee | ₹3,500 + GST | ₹2,999 + GST |
| Fee waiver | At ₹6,00,000/yr | At ₹3,00,000/yr |
| Best rate | 1% — 4 reward points per Rs.100 international | 2.5% — Accelerated groceries and dining proxy |
| Lounges (dom/intl per yr) | 16 / 2 | 8 / 4 |
| Welcome value | ₹6,500 | ₹3,000 |
| No rewards on | rent, wallet, fuel, emi | fuel, wallet, emi |
Quick answers
ICICI Bank Sapphiro Credit Card or SBI Card PRIME — which is better at ₹30,000/month spend?
SBI Card PRIME comes out ahead by about ₹2,620 a year on a typical spend mix at that level, after caps and fees. The gap changes with your mix — run the wizard for your numbers.
Do these numbers include annual fees and caps?
Yes. Every figure is net annual value: rewards after monthly caps, minus fees after spend-based waivers, plus welcome and milestone value.
Both cards verified 2026-07-16 · rank them at your exact spend · methodology