HDFC Bank MoneyBack+ Credit Card vs ICICI Sapphiro Credit Card

• Welcome/Renewal Benefit: Earn 500 Cash Points, this is applicable only on the payment of the membership fee
• Spend Rs. 50,000 or more in a year before the Credit Card renewal date and get the renewal fee waived off
• Get 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy
• Get 5X CashPoints on EMI spends at merchant locations
• Get 2 CashPoints per Rs. 150 spent on other spends 
• Earn 500 gift voucher on spends of Rs. 50,000 per calendar quarter
• Enjoy up to 20% discount on partnered restaurants via Swiggy Dineout
• Starting from January 1st, 2023, the maximum number of reward points that can be earned each month on grocery transactions will be limited to 1,000
• For Rupay Credit Cardholders, UPI spends will earn 2 RPs for every Rs. 150 spent. The reward points are capped at 500 per calendar month
• Zero lost Card liability 
• You can enjoy an interest-free period of up to 50 days from the date of your purchase
• Enjoy Revolving Credit at a nominal interest rate
• Enjoy amazing dining benefits with the Good Food Trail program 
• Get up to 20% off on all restaurant bills via Swiggy Dineout (20k+ restaurants). Offer includes both restaurant and Swiggy discount. Valid only on payments via the Swiggy App
• 1% Fuel Surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000
• Quarterly Spend-based benefit: Get a Rs. 500 gift voucher every quarter on spends of over Rs. 50,000. Earn up to Rs. 2,000 worth vouchers in a year
• Convert your big spends into EMI after purchase
• The card is enabled for contactless payments

• Get up to 20,000 PAYBACK points every anniversary year

• 4 complimentary Domestic Airport Lounge visits per quarter, courtesy of Mastercard and American Express
• 2 complimentary International Airport Lounge visits per calendar year and 2 complimentary Domestic Airport Spa visits per calendar year, under complimentary membership to Dreamfolks DragonPass Lounge Access Programme
• Enjoy up to 4 complimentary rounds of Golf every month at the Golf course of your choice based on eligible spends on your card
• Buy one movie/event ticket and get up to Rs 500 off on the second ticket, twice every month, through www.bookmyshow.com
• Minimum 15% savings on dining bills at over 2,500+ restaurants across India through Culinary Treats Programme
• Powerful Rewards Plan: You can redeem your PAYBACK Points from many options – from movie and travel vouchers to lifestyle products, mobiles, appliances and more
• Earn bonus rewards of up to 6 PAYBACK Points on every Rs. 100 spent
• Under the new Milestone Rewards program, get 4,000 PAYBACK Points on spending Rs. 4,00,000 on your card and 2,000 PAYBACK Points each time you cross Rs. 1,00,000 spend thereafter in an anniversary year; maximum of 20,000 PAYBACK Points per year
• Get 1 PAYBACK Points on every Rs. 100 spent on fuel, utilities and insurance categories
• Earn 50% more rewards on your ICICI Bank Sapphiro American Express® Credit Card
• Savings: ICICI Bank Sapphiro Credit Card can deliver savings of Rs 1,95,030 every year 
• 1% fuel surcharge waiver is available on all transactions below Rs 4,000. Fuel surcharge waiver is available on fuel purchases at all petrol pumps
• Complimentary DragonPass Member, it's world’s first all-in-one Digital Airport platform. As a member, gain access to 450 comfortable and luxurious airport lounges across 115 countries around the globe
• Gain two complimentary Airport Lounge visits outside India and two spa sessions at selected airports in India every year, through complimentary Dreamfolks DragonPass membership. While waiting in airports, discover exciting offers from shopping, restaurants to limos on DragonPass app. Annual Membership Fee, which is USD 99, for Dreamfolks DragonPass is complimentary. You only pay for the lounge visit charges for visits done over and above the complimentary accesses
• Airport Lounge Access American Express: Avail complimentary access to selected lounges at airports in India
• Mastercard: With ICICI Bank Sapphiro Mastercard Credit Card to enjoy exclusive access to premium Mastercard airport lounges in India. Four complimentary accesses to select lounges at airports in India every quarter
• Complimentary rounds of Golf every month: Get complimentary Golf Round / Lesson for every Rs. 50,000 retail spends in the previous calendar month, maximum 4 rounds every month
• American Express® ezeClick: With American Express ezeClick, shop faster, smarter and secured way via online payment solution
• American Express EPAY simplifies the process of paying utility bills
• Mastercard Privileges: The Mastercard Moments is an exclusive programme for Mastercard Cardholders. It hosts exceptional experiences to inspire and enrich the cardholders lives 

Pros

• Get 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy
• Get 5X CashPoints on EMI spends at merchant locations, and get 2 CashPoints per Rs. 150 spent on other spends 
• Earn 500 gift voucher on spends of Rs. 50,000 per calendar quarter

Cons

• No golf benefits are provided
• No airport lounge access

Pros

• Buy one movie/event ticket and get up to Rs 500 off on the second ticket, twice every month, through www.bookmyshow.com
• Redeem PAYBACK Points from many options – from movie and travel vouchers to lifestyle products, mobiles, appliances and more
• Complimentary Domestic Airport Spa visits

Cons

• Average Reward Rate
• High-Interest Rate

To apply for ICICI Bank Credit Cards please click here