ICICI Bank Sapphiro Visa Credit Card vs Rbl Bank Shoprite Platinum Mastercard Credit Card: Which is Better in 2026?
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Rbl Bank Shoprite Platinum Mastercard Credit Card lists a lower headline annual fee in our data (around ₹3,000 apart), before waivers. Rbl Bank Shoprite Platinum Mastercard Credit Card shows a stronger headline earn rate in the first reward band we surface. ICICI Bank Sapphiro Visa Credit Card currently has more lounge detail available from the issuer data we index. Always confirm current fees and offers on the issuer’s site before you apply.
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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 2 Reward Points per Rs.100 | Earn 20 Reward Points For Rs.100 on Grocery |
| 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?
Rbl Bank Shoprite Platinum Mastercard Credit Card shows a higher headline earn signal in the reward summaries we index (Earn 20 Reward Points For Rs.100 on Grocery vs Earn 2 Reward Points per Rs.100). If you optimise for points or cashback on daily spend, start with that card’s reward bands — then model redemptions you actually use.
Which is better for travel?
ICICI Bank Sapphiro Visa Credit Card has richer lounge-related fields in our current benefits extract (domestic: 4 Complimentary Airport Lounge Access Per Quarter; international: 2 Complimentary International Airport Lounge Access). Frequent flyers should still confirm guest access, visit limits and participating airports with the issuer.
Which has lower effective cost?
Rbl Bank Shoprite Platinum Mastercard Credit Card appears cheaper on headline renewal fee in our data before waivers. If you are fee-sensitive, also read the waiver rules in the table — a higher sticker fee can still be net-negative cost if you naturally clear spend thresholds.
Who should pick ICICI Bank Sapphiro Visa Credit Card?
Consider ICICI Bank Sapphiro Visa Credit Card if you already bank with ICICI Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Who should pick Rbl Bank Shoprite Platinum Mastercard Credit Card?
Consider Rbl Bank Shoprite Platinum Mastercard Credit Card if you already bank with RBL Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Frequently Asked Questions
From the lounge fields in our benefit data: ICICI Bank Sapphiro Visa Credit Card — domestic: 4 Complimentary Airport Lounge Access Per Quarter; international: 2 Complimentary International Airport Lounge Access. Rbl Bank Shoprite Platinum Mastercard Credit Card — domestic: —; international: —. Guest rules, networks and visit caps change — confirm on the ICICI Bank and RBL Bank websites before you travel.
From the renewal-fee lines we index, the headline amounts are about ₹500 vs ₹3,500 per year before taxes and waivers. Campaigns and customer-specific pricing differ — use the comparison table and the ICICI Bank and RBL Bank websites for the final number.
On the first reward band we surface, Rbl Bank Shoprite Platinum Mastercard Credit Card shows a stronger headline earn (Earn 20 Reward Points For Rs.100 on Grocery vs Earn 2 Reward Points per Rs.100). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
ICICI Bank Sapphiro Visa Credit Card: Spend Rs.6 Lakh For Waiver of Annual Fee Rbl Bank Shoprite Platinum Mastercard Credit Card: Spend Rs.1.5 Lakh For Waiver of Annual Membership Fee Spend thresholds and anniversary rules change; confirm the latest T&Cs.
ICICI Bank Sapphiro Visa Credit Card: 3.50% - Foreign Currency Transactions Rbl Bank Shoprite Platinum Mastercard Credit Card: 3.5% - Foreign Currency Transactions Lower published foreign-currency markup is usually better for overseas and foreign-currency online spend; confirm the live rate and exclusions on the ICICI Bank and RBL Bank websites.
ICICI Bank Sapphiro Visa Credit Card: 20000 Reward Points Every Anniversary Year Rbl Bank Shoprite Platinum Mastercard Credit Card: Welcome Benefit - 2000 Reward Points Welcome campaigns are time-bound — verify eligibility and fulfilment on the ICICI Bank and RBL Bank websites.