ICICI Bank Sapphiro Credit Card VS YES Bank RESERV Credit Card
Both ICICI Bank Sapphiro Credit Card and YES Bank RESERV Credit Card suit travel-focused spenders, but they earn and cost differently. ICICI Bank Sapphiro Credit Card costs ₹6,500 + GST and earns 4 RP/₹100 on international, 2 RP/₹100 on domestic, 1 RP/₹100 on utility & insurance. YES Bank RESERV Credit Card costs ₹2,499 + GST and earns 24 Reward Points for every ₹200 spent on online shopping; 12 Reward Points for every ₹200 spent on offline shopping; 6 Reward Points for every ₹200 spent on select categories. ICICI Bank Sapphiro Credit Card also brings 4 complimentary domestic airport lounge accesses per calendar quarter on spending ₹75,000, while YES Bank RESERV Credit Card counters with 12 complimentary domestic lounge accesses annually (3 per quarter) for primary and add-on cardholders, but requires a ₹1 Lakh spend in the previous quarter. Weigh the fee against the reward rate above to see which fits your spending pattern better.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
ICICI Bank Sapphiro Credit Card
YES Bank RESERV Credit Card
Who is it for?
Who is it for?
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.
Pros
Key benefits and features.
One of the lowest foreign currency markups at 2% makes international spending highly economical.
Offers 6 complimentary international lounge visits annually for both primary and add-on cardholders.
Provides valuable golf privileges including 4 complimentary rounds and a lesson each year.
Comprehensive insurance benefits like Credit Shield and Lost Card Liability Protection are included.
Attractive reward rate, earning up to 24 points per ₹200 spent, especially for online transactions.
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.
Cons
Key drawbacks and limitations.
Domestic lounge access is spend-based, requiring ₹1 Lakh spend in the previous quarter.
A rewards redemption fee of ₹100 + GST is charged for redeeming accumulated points.
High interest rates of 2.99% per month can be a significant drawback if balances are carried.
Reward points are not awarded for fuel, cash withdrawals, rental, or wallet payments.
The annual fee of ₹2,499 + GST is relatively high if waiver conditions are not met.