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HDFC Bank Diners Club Miles Credit Card VS 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: 21 July 2026

Both HDFC Bank Diners Club Miles Credit Card and ICICI Bank Sapphiro Credit Card suit travel-focused spenders, but they earn and cost differently. HDFC Bank Diners Club Miles Credit Card costs ₹1,000 + GST and earns 4 RP per Rs. 150 spent; get 10X RP on partner brands (capped at 5,000 RP/month). ICICI Bank Sapphiro Credit Card costs ₹6,500 + GST and earns 4 RP/₹100 on international, 2 RP/₹100 on domestic (excl. fuel), 1 RP/₹100 on utility/insurance. HDFC Bank Diners Club Miles Credit Card also brings up to 6 complimentary domestic lounge visits annually across over 25 lounges in India, while ICICI Bank Sapphiro Credit Card counters with 4 complimentary visits/quarter, subject to ₹75,000 spend in preceding quarter. Primary cardholder only. If international spends spending matters more, go with HDFC Bank Diners Club Miles Credit Card; if premium is the priority, ICICI Bank Sapphiro Credit Card fits better.

HDFC Bank Diners Club Miles Credit Card
HDFC Bank Diners Club Miles Credit Card
ICICI Bank Sapphiro Credit Card
ICICI Bank Sapphiro Credit Card

Fees & Charges

Joining Fee₹1,000 + GST
Joining Fee₹6,500 + GST
Renewal Fee₹1,000 + GST
Renewal Fee₹3,500 + GST
Spend Based WaiverAnnual fee waived on spending ₹1 Lakh in the preceding year, encouraging higher card usage.
Spend Based WaiverRenewal fee waiver on spending ₹6 lakhs or more annually in the preceding year.
Foreign Transaction FeesA 3.00% markup plus applicable taxes on all international currency transactions.
Foreign Transaction Fees3.50% + GST
Interest Rate (APR)Interest charged at 3.6% per month, equivalent to 43.2% per annum on outstanding balances.
Interest Rate (APR)3.75% per month (45% per annum) on purchases, ATM withdrawals, and minimum due payments.

Rewards & Benefits

Welcome BonusReceive 1,000 Reward Points upon joining & 1,000 bonus RP annually on renewal fee payment.
Welcome BonusWelcome vouchers worth over ₹13,000 (Tata CliQ, EaseMyTrip, Da Milano, Croma) & 3 months EazyDiner Prime membership.
Rewards RateEarn 4 RP per Rs. 150 spent; get 10X RP on partner brands (capped at 5,000 RP/month).
Rewards Rate4 RP/₹100 on international, 2 RP/₹100 on domestic (excl. fuel), 1 RP/₹100 on utility/insurance.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeA fee of ₹99 plus taxes applies for each reward point redemption request.
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge AccessUp to 6 complimentary domestic lounge visits annually across over 25 lounges in India.
Domestic Lounge Access4 complimentary visits/quarter, subject to ₹75,000 spend in preceding quarter. Primary cardholder only.
International Lounge AccessUp to 6 complimentary international lounge visits annually across over 1000 lounges globally.
International Lounge Access2 complimentary visits/year with Priority Pass/DreamFolks membership. Primary cardholder only.
Travel BenefitsGlobal airport lounge access and dedicated concierge services for all your travel planning.
Travel BenefitsComprehensive travel privileges including lounge access, insurance, and concierge services.
Movie BenefitsNot Applicable
Movie BenefitsBuy One Get One Free movie ticket offer via BookMyShow (up to ₹500 off, twice a month), subject to ₹25,000 spend.
Dining BenefitsEnjoy a 15% discount and access to around 1,400 offers at fine dining restaurants globally.
Dining Benefits15% saving on bills at over 2,500 restaurants via ICICI Bank Culinary Treats Programme.
Golf BenefitsNot Applicable
Golf BenefitsComplimentary rounds/lessons (up to 4/month), subject to ₹50,000 spend in preceding month.
Fuel Surcharge Waiver1% waiver on fuel transactions (₹400-₹5,000), capped at ₹250 per billing cycle.
Fuel Surcharge Waiver1% waiver on transactions up to ₹4,000 (max ₹250/billing cycle) at all fuel pumps.

Security & Other

Insurance BenefitsAir accident cover up to ₹1 Cr, emergency medical ₹25 L, travel insurance ₹50K, credit liability ₹9 L.
Insurance Benefits₹3 Cr air accident, ₹50k credit shield, baggage, travel document, flight delay, and fraud protection.
Cash Advance Charges2.5% of transaction amount or minimum ₹500, whichever is higher for cash withdrawals.
Cash Advance Charges2.5% of transaction amount (minimum ₹500).
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank Diners Club Miles Credit Card

ICICI Bank Sapphiro Credit Card

Who is it for?

The HDFC Bank Diners Club Miles Credit Card is a premium offering for travelers. It features a best-in-class air miles program with 1:1 conversion, complemented by extensive lounge access globally. Enjoy 10X rewards on partner brands, exclusive dining offers, and comprehensive insurance benefits. An annual fee waiver is available on spending ₹1 Lakh, making it ideal for frequent flyers.

Who is it for?

The ICICI Bank Sapphiro Credit Card is a premium offering for frequent travelers and individuals seeking extensive lifestyle benefits. It provides welcome vouchers worth over ₹13,000, complimentary domestic and international airport lounge access, and attractive movie ticket offers. With a comprehensive reward program and various insurance benefits, it's ideal for those looking for a feature-rich card that rewards diverse spending habits.

Pros

Key benefits and features.

Enjoy a best-in-class air miles program with direct 1:1 reward point conversion.

Benefit from complimentary access to both domestic and international airport lounges.

Earn attractive 10X reward points on spends with various popular partner brands.

Get comprehensive insurance coverage for air accidents, medical, and travel needs.

Annual fee is easily waived on spending just ₹1 Lakh in the preceding year.

Pros

Key benefits and features.

Generous welcome benefits worth over ₹13,000, significantly offsetting the initial joining fee.

Extensive complimentary domestic and international airport lounge access for globetrotters.

Attractive Buy One Get One Free movie ticket offer and exclusive dining discounts.

Comprehensive insurance coverage, including high air accident and various travel benefits.

Milestone rewards and annual fee waiver enhance long-term value for high spenders.

Cons

Key drawbacks and limitations.

A high foreign currency markup of 3.00% is applied to all international transactions.

A nominal fee of ₹99 is charged for each reward point redemption request made.

The interest rates are quite high at 3.6% per month on any outstanding balances.

Accelerated 10X reward points benefit is capped at 5,000 points per month.

Reward points have a limited validity period of 2 years, post which they expire.

Cons

Key drawbacks and limitations.

High joining and annual fees, though welcome benefits and waivers can mitigate costs.

Lounge, movie, and golf benefits are subject to significant spend-based eligibility criteria.

Reward points value is relatively low at ₹0.25 per point, with an additional redemption fee.

High foreign currency markup and interest rates make it less ideal for specific uses.

Movie benefit eligibility changes to a spend-based model from April 1, 2026.

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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