InterMiles ICICI Bank Sapphiro Credit Card vs IDFC FIRST Select Credit Card

• Upon joining InterMiles ICICI Bank Sapphiro Credit Card, you'll get 10,000 welcome bonus InterMiles and a complimentary discount code. As a joining benefit, you will receive a complimentary discount code worth Rs. 750
• You will receive the bonus InterMiles and the discount code worth Rs. 500 within 45 working days, post-payment of your Joining Fee
• Earn up to 10 InterMiles per Rs. 100 spent on the card
• Every year when you renew your InterMiles ICICI Bank Sapphiro Credit Card, get 5,000 bonus InterMiles
• Receive a complimentary discount code worth Rs. 500 as a renewal benefit
• You will receive the bonus InterMiles and the discount code worth Rs. 500 within 45 working days, post payment of your Annual Fee
• Avail 5% discount on Economy Class tickets when booked on Etihad Airways
• Get 10% discount on Business Class tickets booked on Etihad Airways
• Redemption Miles Back on international flights: 30%
• Complimentary DragonPass, the world’s first all-in-one Digital Airport platform. Get Two International Airport Lounge visits and Two Spa Sessions at selected airports in India every year, through complimentary DragonPass membership. The USD 99 annual membership fee for DragonPass is complimentary. You will need to pay for the lounge visit charges for visits done over and above the complimentary accesses
• Through BookMyShow, buy one ticket and get up to Rs. 500 off on the second ticket, twice every month
• Get complimentary Golf Round / Lesson for every Rs. 50,000 retail spend in the previous calendar month, maximum of up to four rounds every month
• Exclusive dining offers through ICICI Bank Culinary Treats Programme
• 1% fuel surcharge will be applicable on fuel transactions only at select fuel outlets
• American Express Connect provides wide range of special offers related to Travel, Lodging, Dining, Retail and Online Shopping
• Avail complimentary access to selected lounges at airports in India- Four complimentary airport lounge access per quarter (two each on American Express and/or Visa variant) on your InterMiles ICICI Bank Sapphiro Credit Card by spending Rs. 5,000 in a calendar quarter on each of your cards to avail of this facility in the next calendar quarter
• Accumulate a maximum of 60,000 InterMiles against your spends in each anniversary year. When this cap is reached, an InterMiles Uncapping Fee of Rs. 7,500 will be levied to the Credit Card account
• VISA Lounge Access: Get complimentary access to Airport Lounges in India- Four complimentary airport lounge access per quarter (2 each on American Express and/or Visa variant) on your InterMiles ICICI Bank Sapphiro Credit Card by spending Rs. 5,000 in a calendar quarter on each of your cards to avail of this facility in the next calendar quarter

• Get 3X Reward Points on Spends till Rs. 20,000 in a statement cycle
• Get 10X Reward Points on crossing spends of Rs. 20,000 in a statement cycle and on birthdays
• Avail 1X Reward Points on Insurance premium and Utility bill payments
• Use the Reward points to instantly pay for online or in-store purchases
• Get 3X Reward Points on rental and property management transactions
• Avail ‘Buy One, Get One' offer on movie tickets up to Rs. 125 on Paytm mobile app. This is valid twice per month
• Enjoy 300+ Brand Offers all year long
• Get up to 20% discount at 1500+ restaurants
• Complimentary Roadside Assistance worth Rs. 1,399
• 1% Fuel Surcharge Waiver up to Rs. 300 per month at all fuel stations in India, on transactions between Rs. 200 and Rs. 5000
• Air Accident Cover of Rs. 1 Crore
• Personal Accident Cover of Rs. 5,00,000
• Lost Card Liability Cover of Rs. 50,000
• Comprehensive Travel Insurance Cover of Rs. 22,500
• Convert all transactions above Rs. 2,500 into easy and convenient EMIs on the mobile app
• Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
• Enjoy convenient transfer of balances from other bank credit cards with the bank’s balance transfer privilege

Premium Benefits includes as follows:

• Availing 2 complimentary Domestic airport lounge visits per quarter, on spending Rs. 20,000 every month  
• Availing 4 complimentary railway lounge visits per quarter
• Cancellation For Any Reason (CFAR) insurance: Get cancellation cover for up to 2 claims up to Rs. 10,000, will be available for hotel and flight booking cancellations.

VISA Offers are as follows:

• Airport Meet & Greet - Avail discounts on Airport Fast Track immigration service worldwide
• Airport Transfers - Enjoy discounts on Airport transfer limousine service across in more than 3000 cities across 83 countries
• Concierge 
• Luxury Hotel Collection – Get access to over 900 luxury hotels around the globe with premium benefits such as automatic room upgrade upon arrival, Complimentary in-room Wi-Fi, Complimentary continental breakfast, VIP Guest status, 3PM check-out upon request and others

MasterCard Offers are as follows:

• Limo Service Airport Pick Up and Drop 
• Airport Meet & Assist - Cardholders will get assistance through the airport with all aspects of their departure and arrivals
• Get 4 complimentary Golf rounds and 12 complimentary Golf lessons per calendar year

Pros

• Redemption Miles Back on international flights: 30%
• Complimentary DragonPass, the world’s first all-in-one Digital Airport Platform
• Two International Airport Lounge visits and Two spa sessions at selected airports in India every year, through complimentary DragonPass membership

Cons

• High-interest rate
• High Joining Fees

To apply for ICICI Bank Credit Cards please click here

Pros

• Get 10X Reward Points on crossing spends of Rs. 20,000 in a statement cycle and on birthdays
• Domestic airport and railway lounge access
• Get 3X Reward Points on rental and property management transactions

Cons

• No International Airport Lounge access
• Welcome gift voucher is only provided on spending Rs. 5000 or more within 30 days of card generation
• No Priority Pass facility