ICICI Bank Sapphiro Visa Credit Card vs Rbl Bank Shoprite Platinum Mastercard Credit Card: Which is Better in 2026?
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When comparing the ICICI Bank Sapphiro Visa Credit Card and the Rbl Bank Shoprite Platinum Mastercard Credit Card, the former offers a higher rewards rate and more comprehensive benefits, particularly for frequent travelers. The latter, however, has a significantly lower annual fee and is more accessible for beginners.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | ICICI Bank Sapphiro Visa Credit Card | Rbl Bank Shoprite Platinum Mastercard Credit Card |
|---|---|---|
| Bank | ICICI Bank | RBL Bank |
| Network | Visa | MasterCard |
| Joining fee | Joining Fee of Rs.6500 | — |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.3500 | Annual Fee of Rs.500 |
| Annual fee waiver | Spend Rs.6 Lakh For Waiver of Annual Fee | Spend Rs.1.5 Lakh For Waiver of Annual Membership Fee |
| Reward rate (headline) | Earn 1 Rewards Points For Every Rs.100 on Utilities and Insurance | Earn 1 Reward Points per Rs.100 |
| Lounge — domestic | 4 Complimentary Airport Lounge Access Per Quarter | — |
| Lounge — international | 2 Complimentary International Airport Lounge Access | — |
| Welcome benefit | 20000 Reward Points Every Anniversary Year | Welcome Benefit - 2000 Reward Points |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The ICICI Bank Sapphiro Visa Credit Card is superior for rewards, offering 2 Reward Points per Rs.100 spent, with additional points for international spending and utilities. In contrast, the Rbl Bank Shoprite Platinum Mastercard Credit Card provides only 1 Reward Point per Rs.100, although it offers 20 Reward Points for grocery purchases. Overall, for users focused on maximizing rewards, the ICICI card is the more advantageous choice.
Which is better for travel?
Travel benefits are notably better with the ICICI Bank Sapphiro Visa Credit Card, which includes complimentary access to both domestic and international airport lounges. The Rbl Bank Shoprite Platinum Mastercard Credit Card lacks any lounge access, making it less appealing for frequent travelers. Therefore, if travel perks are a priority, the ICICI card stands out.
Which has lower effective cost?
The Rbl Bank Shoprite Platinum Mastercard Credit Card has a lower annual fee of Rs.500 compared to the ICICI Bank Sapphiro Visa Credit Card's Rs.3500. Additionally, the Rbl card offers a more accessible fee waiver threshold of Rs.1.5 lakh in spending, while the ICICI card requires Rs.6 lakh. For those concerned about annual fees, the Rbl card is clearly more cost-effective.
Who should pick ICICI Bank Sapphiro Visa Credit Card?
Consider ICICI Bank Sapphiro Visa Credit Card if you are a frequent traveler seeking robust rewards and travel benefits, including lounge access and higher reward points on international spends.
Who should pick Rbl Bank Shoprite Platinum Mastercard Credit Card?
Consider Rbl Bank Shoprite Platinum Mastercard Credit Card if you are a beginner looking for a low-cost card with a straightforward rewards structure and lower annual fees, particularly if you spend significantly on groceries.
Frequently Asked Questions
The annual fee is Rs.3500, with a joining fee of Rs.6500.
You can waive the annual fee by spending Rs.1.5 lakh in the previous year.
No, the Rbl Bank Shoprite Platinum Mastercard does not offer any lounge access.
Both cards charge a forex markup of 3.5% on foreign currency transactions.