HDFC Infinia Credit Card vs ICICI Sapphiro Credit Card
Last Updated : Feb. 15, 2021, 7:06 p.m.
HDFC Bank and ICICI Bank have always satisfied their customers with their financial services. But when it comes to applying for a credit card then it becomes difficult for an individual to choose only one bank. Similarly, the HDFC Infinia and ICICI Sapphiro cards are the two preferred cards but it is not easy to choose only one card between them because they are offered by one of the top banking institutions. Therefore, it is necessary for you to know the difference between HDFC Infinia Credit Card vs ICICI Sapphiro Credit Card to get a clear picture of these cards. You must compare all the offers of these cards and their fees and eligibility criteria as well.
Comparison of HDFC Infinia vs ICICI Sapphiro Credit Card
| Basis of Difference | HDFC Infinia Credit Card | ICICI Sapphiro Credit Card |
|---|---|---|
| Welcome Benefits | - Enjoy a Free Membership of the Club Marriot on this credit card. - Have a Discount of up to 20% on dining and staying across Asia-Pacific under this membership. - Get a Discount of 15% for up to 10 Guests at hotels under this membership. | Enjoy a Welcome Voucher of ₹9000 and above on the payment of the joining fees and they are as follows:- - TataCliq Voucher of ₹3000. - EaseMyTrip Voucher of ₹4000. - Uber Voucher of ₹1000. - Zomato Pro Membership Voucher of ₹800. - Croma Voucher of ₹1000. |
| Traveling Benefits | - Enjoy Unlimited Access to the Airport Lounges present in India and Outside India under the Priority Pass Program. - Get a foreign markup fee of 2% on foreign currency transactions. | - Get 4 Complimentary Access to the Airport Lounges through this ICICI credit card. - Enjoy 2 Complimentary Visits to the international airport lounges through this credit card. |
| Lifestyle Benefits | - Have unlimited Free Golf games at the premium courses worldwide. - Enjoy Global Concierge Assistance for your travel, entertainment, and business experiences. - Dine at the premium selected restaurants through the HDFC Credit Card. | - Enjoy 4 Complimentary Rounds of Golf every month. - Buy One Movie Ticket at BookMyShow and get up to ₹500 Off on the Second Ticket. |
| Reward Points Earnings | - Spend ₹150 and get 5 reward points. - Earn 10X your reward points on travel and shopping transactions through Smartbuy. - Enjoy 2X reward points on dining at the selected restaurants. | - Enjoy 20000 Payback points after every anniversary year. - Earn 2 Reward Points on spending ₹100 on Domestic Transactions through the Mastercard Powered Credit Card. - Get 4 Reward Points on spending ₹100 on International Transactions through the Mastercard Powered Credit Card. - You can enjoy 3 Reward Points on spending ₹100 on Domestic Transactions through the American Express Powered Credit Card. - Earn 6 Reward Points on spending ₹100 on International Transactions through the American Express Powered Credit Card. - Get 1 Reward Point on spending ₹100 on fuels utilities, and insurance expenses |
| Insurance Cover and other Benefits | - Get an Insurance Cover of ₹3 Crores in case of death in an Air Accident. - Have Overseas Hospitalisation cover in case of an emergency of up to ₹50 Lacs. - Get Credit Liability cover of up to ₹9 Lacs. | - You will get 4000 Payback Points after reaching the transaction limit of ₹4 Lacs. - You will also get 2000 Payback Points every time you reach an expenditure of ₹1 lac thereafter. |
Fees and Other Charges of HDFC Infinia and ICICI Sapphiro Credit Card
| Fees | HDFC Infinia Card | ICICI Sapphiro Credit Card |
|---|---|---|
| Joining Fees | ₹10000 + GST | ₹6500 + Applicable Taxes |
| Renewal Fees | ₹10000 + GST | ₹3500 + Applicable Taxes |
| Waiving Off Criteria | Spend ₹8 Lacs in a year and waive off the fees. | Spend ₹6 Lacs in a Year to Waive Off the Renewal Fees. |
| Add-on Card Fees | NIL | NIL |
| Finance Charges | As per Bank’s Norms | 3.40% per month |
| Cash Advance Fees | 2.5% | 2.5% |
Eligibility Criteria of Both the Cards
| HDFC Infinia Credit Card | ICICI Sapphiro Credit Card |
|---|---|
| The Infinia Credit Cards are offered by an invitation to their potential customers from the HDFC Bank. | - Minimum Age of 18 Years. - Maximum Age of 60 Years - Should have a Stable Income. - A Cibil Score of 750 and Above - Must be an Indian Resident |
Conclusion
Now you can make a one-sided choice after exploring the difference between HDFC Infinia Credit Card vs ICICI Sapphiro Credit Card. Both these cards will give you exciting benefits and you can save a lot of extra bucks by using them. You will also have to fulfill the eligibility criteria if you are willing to apply for these credit cards . On the other hand, you must check the fees of the card and choose a card whose fee is easily affordable by you.