ICICI Bangalore Metro Coral MasterCard Platinum DC vs ICICI Bank Sapphiro Visa Credit Card: Which is Better in 2026?
vs
The ICICI Bangalore Metro Coral MasterCard Platinum DC offers no significant benefits, while the ICICI Bank Sapphiro Visa Credit Card provides a range of rewards and perks. For those seeking value in rewards and travel benefits, the Sapphiro card stands out clearly.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | ICICI Bangalore Metro Coral MasterCard Platinum DC | ICICI Bank Sapphiro Visa Credit Card |
|---|---|---|
| Bank | ICICI Bank | ICICI Bank |
| Network | MasterCard | Visa |
| Joining fee | — | Joining Fee of Rs.6500 |
| Annual / renewal fee | — | Second Year Onwards Annual Fee of Rs.3500 |
| Annual fee waiver | — | Spend Rs.6 Lakh For Waiver of Annual Fee |
| Reward rate (headline) | — | Earn 2 Reward Points per Rs.100 |
| Lounge — domestic | — | 4 Complimentary Airport Lounge Access Per Quarter |
| Lounge — international | — | 2 Complimentary International Airport Lounge Access |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | 20000 Reward Points Every Anniversary Year |
| Milestone benefit | — | — |
| Foreign currency markup | — | 3.50% - Foreign Currency Transactions |
Which is better for rewards?
The ICICI Bank Sapphiro Visa Credit Card is better for rewards, offering 2 Reward Points per Rs.100 spent, with enhanced earning rates for international spends and utilities. In contrast, the ICICI Bangalore Metro Coral MasterCard Platinum DC lacks any reward points or cashback options, making it less appealing for reward seekers.
Which is better for travel?
For travel benefits, the Sapphiro card again excels with 4 complimentary domestic lounge accesses per quarter and 2 international lounge accesses. The ICICI Bangalore Metro Coral MasterCard Platinum DC, however, provides no lounge access or travel-related perks, making it unsuitable for frequent travelers.
Which has lower effective cost?
In terms of fees, the ICICI Bank Sapphiro Visa Credit Card has a joining fee of Rs.6500 and an annual fee of Rs.3500, which can be waived by spending Rs.6 lakh. The ICICI Bangalore Metro Coral MasterCard Platinum DC does not list any fees, but it also lacks any benefits, making it a less attractive option overall.
Who should pick ICICI Bangalore Metro Coral MasterCard Platinum DC?
Consider ICICI Bangalore Metro Coral MasterCard Platinum DC if you prefer a card with no annual fees and do not require rewards or travel benefits. This card may suit those who use a credit card occasionally without the need for additional perks.
Who should pick ICICI Bank Sapphiro Visa Credit Card?
Consider ICICI Bank Sapphiro Visa Credit Card if you are looking for a card that offers substantial rewards and travel benefits. This card is ideal for frequent spenders who can take advantage of the rewards program and lounge access.
Frequently Asked Questions
You earn 2 Reward Points per Rs.100 spent, 4 Reward Points for every Rs.100 on international spends, and 1 Reward Point for every Rs.100 on utilities and insurance.
The ICICI Bangalore Metro Coral MasterCard Platinum DC does not list any fees, but it also does not offer any benefits.
The Sapphiro card offers 4 complimentary domestic lounge accesses per quarter and 2 international lounge accesses.
Yes, the annual fee can be waived by spending Rs.6 lakh.