What are the annual fees for ICICI Bank Sapphiro Credit Card and IDFC FIRST Wealth Credit Card?

ICICI Bank Sapphiro Credit Card has ₹3,500 + GST. IDFC FIRST Wealth Credit Card has no annual fee. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

ICICI Bank Sapphiro Credit Card earns about 0.5% on general spends; IDFC FIRST Wealth Credit Card earns about 0.375%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

ICICI Bank Sapphiro Credit Card: 3.5%. IDFC FIRST Wealth Credit Card: 1.5% (plus 18% GST on the markup).

Do both cards include airport lounge access?

ICICI Bank Sapphiro Credit Card: yes — see the lounge row above for limits. IDFC FIRST Wealth Credit Card: yes — see the lounge row above for limits.

Card Comparison

ICICI Sapphiro vs IDFC FIRST Wealth

ICICI Sapphiro vs IDFC FIRST Wealthcompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

ICICI Bank Sapphiro

ICICI Bank

Fee₹3,500+GST

Eff. rate0.5%

CapNone

Fee

₹3,500+GST

Eff. rate

0.5%

Cap

None

IDFC FIRST Wealth

IDFC FIRST Bank

FeeFree

Eff. rate0.38%

CapNone

Fee

Free

Eff. rate

0.38%

Cap

None

Quick take

How they compare

ICICI Sapphiro and IDFC FIRST Wealth suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: Free vs ₹3,500 annual fee. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

ICICI Sapphiro

Annual fee: ₹3,500 + GST
Everyday rate: 0.5%
Monthly cap: No cap

Notable strengths

No monthly reward cap

IDFC FIRST Wealth

Annual fee: Free
Everyday rate: 0.4%
Monthly cap: No cap

Notable strengths

No monthly reward cap
Low forex markup (1.5%)

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

49 specs · 13 sections

ICICI Bank Sapphiro

IDFC FIRST Wealth

Feature

ICICI Bank Sapphiro

IDFC FIRST Wealth

Annual Fee

₹3,500

Free

Joining Fee

₹6,500

Free

Fee Waiver Spend

₹6,00,000

N/A

Forex Markup

3.5%

1.5%

Reward Type

Reward Points

Base Rate

0.5%

0.38%

Effective Base Rate

0.5%

0.38%

Point Value

₹0.25

Redemption Quality

MEDIUM

Best Redemption

₹0.35

₹0.25

Worst Redemption

₹0.15

₹0.2

Grocery / Supermarkets

0.5%

0.38%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

0.38%

Restaurants / Dine-in

0.5%

0.38%

Flights, Hotels, OTAs, Tour Operators

0.5%

0.38%

Other Retail / Catch-all

0.5%

0.38%

Monthly Cap

No cap

Est. Annual Cap

No cap

Total Excluded

6 categories

0 categories

Fuel / Petrol / Diesel / CNG

Excluded

Earns rewards

Education / School / College Fees

Excluded

Earns rewards

Rent Payments

Excluded

Earns rewards

Government / Tax Payments

Excluded

Earns rewards

Domestic Visits/Year

-1

International Visits/Year

-1

Priority Pass

Yes

Est. Annual Value

₹8,690

₹10,230

Forex Markup

3.5%

1.5%

International Rate

Yes

Description

Vouchers worth over ₹13,000: Tata CLiQ ₹3,000, EaseMyTrip ₹4,000 (4×₹1,000), Da Milano ₹5,000, Croma ₹1,500 (3×₹500), EazyDiner Prime 3-month membership

₹500 Voucher from Uber, Amazon, and Bigbasket on Spending ₹5,000 Within 30 Days of Card Issuance. 5% Cashback Upto ₹1,000 on the First EMI Transaction

Estimated Value

₹10,800

₹1,200

Fuel Surcharge Waiver

Yes

Best Suited For

Travel, Shopping

Movies, Travel, Shopping

Min Income

₹75,000/month

₹3,00,000/month

Income Proof

Required

Secured FD

Accepting Applications

Yes

Network

Mastercard, American Express

Visa

Card Tier

Premium

Infinite

Gaming platforms (Dream11, MPL, Rummy Culture, Junglee Games)

2% surcharge

None

Third-party wallet loads > ₹5,000

1% surcharge

None

Transport > ₹50,000

1% surcharge

None

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for ICICI Bank Sapphiro Credit Card and IDFC FIRST Wealth Credit Card?: ICICI Bank Sapphiro Credit Card has ₹3,500 + GST. IDFC FIRST Wealth Credit Card has no annual fee. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: ICICI Bank Sapphiro Credit Card earns about 0.5% on general spends; IDFC FIRST Wealth Credit Card earns about 0.375%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: ICICI Bank Sapphiro Credit Card: 3.5%. IDFC FIRST Wealth Credit Card: 1.5% (plus 18% GST on the markup).
Do both cards include airport lounge access?: ICICI Bank Sapphiro Credit Card: yes — see the lounge row above for limits. IDFC FIRST Wealth Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: ICICI Bank - ICICI Sapphiro · IDFC FIRST Bank - IDFC FIRST Wealth