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Axis Bank Vistara Infinite Credit Card VS InterMiles ICICI Bank Sapphiro Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026
Axis Bank Vistara Infinite Credit Card
Axis Bank Vistara Infinite Credit Card
InterMiles ICICI Bank Sapphiro Credit Card
InterMiles ICICI Bank Sapphiro Credit Card

Fees & Charges

Joining Fee₹10,000 + GST
Joining Fee₹5,000 + GST
Renewal Fee₹10,000 + GST
Renewal Fee₹5,000 + GST
Spend Based Waiver
Spend Based Waiver
Foreign Transaction Fees3.50% of the transaction value + applicable taxes. DCC Markup 1.5%.
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)3.6% per month (43.2% APR) on retail purchases & cash advances.
Interest Rate (APR)3.5% per month (42% annually).

Rewards & Benefits

Welcome Bonus1 Complimentary Business Class ticket voucher on fee payment.
Welcome BonusComplimentary InterMiles Silver Tier membership, 10,000 bonus InterMiles, flight/hotel discount vouchers.
Rewards RateEarn 6 Club Vistara Points for every ₹200 spent on eligible categories.
Rewards RateUp to 5-7 InterMiles per Rs. 100 on domestic/international; 8-12.5 InterMiles on InterMiles website.
Reward TypeReward Points
Reward TypeAir Miles
Reward Redemption Fee
Reward Redemption FeeRs. 99 (plus applicable taxes) per redemption request.

Travel & Lifestyle

Domestic Lounge Access2 Complimentary domestic lounge access per quarter at select airports within India.
Domestic Lounge Access2 complimentary domestic lounge visits per quarter with minimum Rs. 5,000 spend in previous quarter.
International Lounge Access
International Lounge Access2 complimentary international airport lounge visits every year under Dreamfolks membership.
Travel BenefitsComplimentary Club Vistara Gold Membership, 24x7 concierge, discounts on Trident properties.
Travel BenefitsAccelerated InterMiles on InterMiles website bookings, discounts on Etihad Airways, Dreamfolks membership.
Movie Benefits
Movie BenefitsBuy one movie ticket and get up to Rs. 500 off on the second ticket on BookMyShow (max 2 times/month).
Dining BenefitsUp to 40% discount up to ₹1000 at partner restaurants with EazyDiner, once per month.
Dining BenefitsExclusive dining benefits through the ICICI Bank Culinary Treats Programme.
Golf Benefits6 complimentary rounds of golf annually at select destinations in India.
Golf BenefitsUp to 4 complimentary rounds of golf each month (1 round for every Rs. 50,000 spent).
Fuel Surcharge WaiverFuel Surcharge Waiver: Applicable for transactions between ₹400 and ₹4,000.
Fuel Surcharge Waiver1% fuel surcharge waived off at all fuel stations across India.

Security & Other

Insurance BenefitsPurchase Protection Cover up to ₹1 lakh, Loss of Travel Documents, Delay/Loss of Check-In Baggage.
Insurance Benefits
Cash Advance Charges2.5% of the Cash Amount (Min. ₹500).
Cash Advance Charges2.5% of the transacted amount, subject to a minimum amount of Rs. 300.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank Vistara Infinite Credit Card

InterMiles ICICI Bank Sapphiro Credit Card

Who is it for?

The Axis Bank Vistara Infinite Credit Card was a premium travel card tailored for frequent domestic flyers, especially those loyal to Air Vistara. It offered significant value through complimentary Business Class tickets on joining and renewal, along with Club Vistara Gold Membership and golf privileges. While ideal for its target audience, this card has been discontinued due to the Air India and Vistara merger, making it unavailable for new applications.

Who is it for?

The InterMiles ICICI Bank Sapphiro Credit Card is a travel-centric card designed for frequent flyers, especially those using Etihad Airways or booking via the InterMiles website. It offers strong reward earning potential in InterMiles, along with valuable welcome and renewal benefits like bonus miles and discount vouchers. Cardholders also enjoy complimentary lounge access, golf privileges, movie discounts, and a 24x7 concierge service, making it ideal for individuals seeking comprehensive travel and lifestyle perks. Please note, this card is currently discontinued.

Pros

Key benefits and features.

Complimentary Business Class ticket voucher as a welcome benefit and on annual renewal.

Opportunity to earn up to 4 additional Business Class tickets through milestone spends.

Complimentary Club Vistara Gold Tier membership with associated benefits.

Enjoy 6 complimentary golf rounds annually at premium golf courses across India.

Benefit from a dedicated 24x7 concierge service for all your travel and lifestyle needs.

Pros

Key benefits and features.

Strong reward earning potential for travel, especially Etihad Airways and InterMiles website bookings.

Complimentary domestic and international lounge access, plus domestic airport spa visits.

Valuable welcome and annual renewal benefits, including bonus InterMiles and discount vouchers.

Additional lifestyle benefits like movie discounts, dining programs, golf privileges, and 24x7 concierge.

Fuel surcharge waiver is applicable at all fuel stations across India.

Cons

Key drawbacks and limitations.

The Axis Bank Vistara Infinite Credit Card has been discontinued since the merger.

No complimentary international airport lounge access is provided with this card.

Limited domestic lounge access, with only 2 complimentary visits per quarter.

High foreign currency markup fee of 3.5% makes international spends costly.

The card carries a high annual fee of ₹10,000 + GST with no waiver option.

Cons

Key drawbacks and limitations.

The InterMiles ICICI Bank Sapphiro Credit Card is currently discontinued.

A maximum cap of 60,000 InterMiles per year, with a Rs. 7,500 uncapping fee.

No InterMiles on fuel, low earning rate on insurance and utility bill payments.

High interest rates and foreign currency markup apply to this credit card.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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