ICICI Bank Sapphiro Credit Card vs Kotak Royale Signature Credit Card
Side-by-side comparison of fees, rewards, and benefits
ICICI Bank
ICICI Bank Sapphiro Credit Card
ICICI Bank · Mastercard · World
Kotak Mahindra Bank
Kotak Royale Signature Credit Card
Kotak Mahindra Bank · Visa · Signature
Metric
ICICI Bank
Kotak Mahindra Bank
Annual Fee
₹3,500
₹999
Joining Fee
₹3,500
₹999
Effective Reward Rate
1.0%
0.7%
Forex Markup
3.5%
3.5%
Avg Annual Value
₹35,000
₹18,000
Annual Net Value
₹30,870
₹16,821
ICICI Bank Sapphiro Credit Card — Key Benefits
- ✓ Domestic Lounge Access
- ✓ International Lounge Access
- ✓ Complimentary Golf Rounds
- ✓ Reward Points on Domestic Spends
- ✓ Reward Points on International Spends
Kotak Royale Signature Credit Card — Key Benefits
- ✓ Domestic Lounge Access
- ✓ International Lounge Access
- ✓ 10X Rewards on Dining
- ✓ Reward Points on All Spends
- ✓ Fuel Surcharge Waiver