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ICICI Bank Sapphiro Credit Card VS YES Bank RESERV 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

ICICI Bank Sapphiro Credit Card
ICICI Bank Sapphiro Credit Card
YES Bank RESERV Credit Card
YES Bank RESERV Credit Card

Fees & Charges

Joining Fee
₹6,500 + GST
₹2,499 + GST
Renewal Fee
₹3,500 + GST
₹2,499 + GST
Spend Based Waiver
Annual fee waived if ₹6 lakh or more spent in preceding anniversary year.
Joining Fee waived on spending ₹40,000 within 30 days. Renewal Fee waived on annual spends of ₹3 Lakh or more.
Foreign Transaction Fees
3.5% + GST on all foreign currency transactions.
1.75% (plus applicable taxes)
Interest Rate (APR)
3.75% interest per month (45% p.a.) on outstanding balances & cash withdrawals.
2.99% per month (35.88% annually)

Rewards & Benefits

Welcome Bonus
Receive welcome vouchers worth over ₹14,500 including Tata CLiQ, EaseMyTrip, EazyDiner, Da Milano, Croma & Uber.
Not Applicable (as explicitly stated in card details)
Rewards Rate
4 RP/₹100 on international, 2 RP/₹100 on domestic, 1 RP/₹100 on utility & insurance.
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.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST for rewards redemption.
₹100 + GST

Travel & Lifestyle

Domestic Lounge Access
4 complimentary domestic airport lounge accesses per calendar quarter on spending ₹75,000.
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.
International Lounge Access
2 complimentary international airport lounge accesses annually + Priority Pass/DreamFolks membership.
6 complimentary international lounge accesses outside India each year for primary and add-on cardholders.
Travel Benefits
Concierge service for hotel & flight bookings. Comprehensive travel insurance benefits are also included.
Travel offers are available on the Yes Privileges portal. Reward Points are transferable to partner airlines’ AirMiles.
Movie Benefits
Buy One Get One Free movie ticket offer, up to ₹500 off on second ticket via BookMyShow, twice monthly.
Not Applicable
Dining Benefits
15% saving on bills at over 2,500 partner restaurants via ICICI Bank Culinary Treats Programme.
Not Applicable
Golf Benefits
Complimentary golf rounds/lessons monthly (up to 4) based on ₹50,000 retail spend.
4 complimentary rounds of golf with green fee waived per year and 1 complimentary golf lesson per year.
Fuel Surcharge Waiver
1% waiver on fuel transactions up to ₹4,000 (max ₹250 waiver/billing cycle).
1% fuel surcharge waived on transactions between ₹400 and ₹5,000, capped at ₹1,000 per month.

Security & Other

Insurance Benefits
Personal Air Accident Insurance (₹3 Cr), Credit Shield (₹50k), baggage insurance, travel inconveniences.
Coverage worth ₹3 crore for air accident, ₹50 lakh for emergency overseas hospitalization, and credit shield up to ₹15 lakh.
Cash Advance Charges
2.5% of transaction amount or minimum ₹500, whichever is higher.
2.5% or ₹500, whichever is higher.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank Sapphiro Credit Card

YES Bank RESERV Credit Card

Who is it for?

The ICICI Bank Sapphiro Credit Card is a premium offering for individuals who indulge in travel and lifestyle. It provides an array of privileges, attractive offers, and user-friendly features, ideal for frequent travelers seeking maximum savings, entertainment benefits, and exclusive welcome offers that often exceed the joining fee.

Who is it for?

The YES Bank RESERV Credit Card is a premium offering, ideal for high-net-worth individuals seeking extensive travel and lifestyle benefits. It features an industry-low 1.75% foreign currency markup and generous international lounge access. Cardholders also enjoy complimentary golf rounds, comprehensive insurance, and attractive reward rates on online shopping. While domestic lounge access is spend-based, its overall premium perks make it a strong contender in the high-end credit card segment.

Pros

Key benefits and features.

Substantial welcome benefits worth over ₹14,500 effectively offset the ICICI Bank Sapphiro Credit Card's joining fee.

Offers complimentary domestic and international airport lounge access, ideal for frequent travelers.

Enjoy a generous 'Buy One Get One Free' movie ticket offer twice monthly via BookMyShow on this card.

Comprehensive insurance coverage provides peace of mind for air travel and other incidents with Sapphiro.

The 24x7 concierge service provides convenient assistance for lifestyle and travel needs to cardholders.

Pros

Key benefits and features.

Enjoys one of the industry's lowest foreign currency markups at just 1.75%.

Offers 6 complimentary international lounge accesses annually for primary and add-on cardholders.

Provides extensive insurance coverage, including air accident and overseas hospitalization.

High reward rate for online shopping, earning 24 points for every ₹200 spent.

Offers complimentary golf rounds and lessons, enhancing its premium lifestyle appeal.

Cons

Key drawbacks and limitations.

The ICICI Bank Sapphiro Credit Card has a high foreign currency markup of 3.5% + GST.

A significant interest rate of 45% per annum is applicable on outstanding balances and cash advances.

Domestic lounge access with the Sapphiro Credit Card is conditional on spending ₹75,000 in the prior quarter.

A fee of ₹99 + GST is levied on every rewards redemption transaction for Sapphiro cardholders.

Cons

Key drawbacks and limitations.

Domestic lounge access is conditional on meeting a ₹1 Lakh spend threshold in the prior quarter.

Reward points are not earned on fuel, cash withdrawals, rental/wallet, or EMI payments.

A fee of ₹100 + GST is charged for every reward point redemption request.

No explicit welcome benefits despite being a premium card with a joining fee.

Ready to Choose?

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