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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.

Features

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
₹5,000 + GST
Renewal Fee
₹10,000 + GST
₹5,000 + GST
Spend Based Waiver
Not Applicable
Foreign Transaction Fees
3.50% of the transaction value + applicable taxes. DCC Markup 1.5%.
3.5% of the transaction amount for international spends.
Interest Rate (APR)
3.6% per month (43.2% APR) on retail purchases & cash advances.
3.5% per month (42% annually) on outstanding balances.

Rewards & Benefits

Welcome Bonus
1 Complimentary Business Class ticket voucher on fee payment.
10K bonus InterMiles & Silver Tier. Vouchers up to Rs. 750 (flight) & Rs. 1,500 (hotel) on AmEx.
Rewards Rate
Earn 6 Club Vistara Points for every ₹200 spent on eligible categories.
Up to 12.5 InterMiles per Rs. 100 on Etihad bookings (AmEx) & 10 InterMiles on InterMiles website.
Reward Type
Reward Points
InterMiles
Reward Redemption Fee
Rs. 99 plus applicable taxes per redemption request.

Travel & Lifestyle

Domestic Lounge Access
2 Complimentary domestic lounge access per quarter at select airports within India.
2 complimentary domestic lounge accesses per quarter, on spending Rs. 5,000 in previous quarter.
International Lounge Access
2 complimentary international lounge accesses every year under Dreamfolks membership.
Travel Benefits
Complimentary Club Vistara Gold Membership, 24x7 concierge, discounts on Trident properties.
Accelerated InterMiles on InterMiles website bookings. Complimentary Dreamfolks membership with lounge/spa access.
Movie Benefits
Buy one get up to Rs. 500 off on second movie ticket on BookMyShow, twice per month.
Dining Benefits
Up to 40% discount up to ₹1000 at partner restaurants with EazyDiner, once per month.
Exclusive dining benefits through the ICICI Bank Culinary Treats program.
Golf Benefits
6 complimentary rounds of golf annually at select destinations in India.
1 complimentary round of golf per month for every Rs. 50,000 spent, up to 4 rounds monthly.
Fuel Surcharge Waiver
Fuel Surcharge Waiver: Applicable for transactions between ₹400 and ₹4,000.
1% fuel surcharge waived off at all fuel stations across India.

Security & Other

Insurance Benefits
Purchase Protection Cover up to ₹1 lakh, Loss of Travel Documents, Delay/Loss of Check-In Baggage.
Not Applicable
Cash Advance Charges
2.5% of the Cash Amount (Min. ₹500).
2.5% of transacted amount, subject to a minimum of Rs. 300.
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 premium co-branded travel card, designed for frequent flyers. It offers valuable InterMiles on all expenditures, with enhanced earning rates for travel bookings, especially on Etihad Airways and the InterMiles website. Cardholders enjoy a suite of benefits including complimentary lounge access, movie discounts, and golf privileges, alongside attractive welcome and annual renewal perks. This card provides significant value for those who prioritize travel rewards.

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.

Earns InterMiles on all spending, with accelerated rewards for travel bookings.

Comprehensive travel benefits including lounge access and Etihad Airways discounts.

Significant welcome and annual renewal benefits boost overall value for users.

Offers lifestyle perks like movie discounts, dining privileges, and golf rounds.

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.

High joining and renewal fees may deter some users, particularly if not actively traveling.

A redemption fee of Rs. 99 (plus taxes) is charged for each reward redemption.

Annual cap of 60,000 InterMiles requires an uncapping fee for further earnings.

No InterMiles earned on fuel purchases, and reduced rate on utility/insurance.

High foreign currency markup of 3.5% on international transactions.

Ready to Choose?

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