HSBC Premier Credit Card vs ICICI Sapphiro
Detailed comparison of these two popular credit cards
Winner
HSBC Premier Credit Card
HSBC India
Super PremiumVS
ICICI Sapphiro
ICICI Bank
PremiumAnnual Fee
₹20K vs ₹4K
Effective Rate
(cash value)
1.3% vs 0.5%
Lounge Access
Unlimited vs 4/quarter
Detailed Comparison
| Feature | HSBC Premier Credit Card | ICICI Sapphiro |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹12K | ₹7K |
| Annual Fee | ₹20K | ₹4K |
| Fee Waiver | For HSBC Premier customers | Spend ₹6L annually |
| Forex Markup | 0.99% | 3.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1.33% | 0.5% |
Lounge Access | ||
| Domestic Lounges | Unlimited | 4/quarter |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹36.0L | ₹18.0L |
HSBC Premier Credit Card is Best For
HSBC Premier banking customers
View HSBC Premier Credit Card DetailsOur Verdict
Based on overall features and value,
HSBC Premier Credit Card wins!
Score: 59vsScore: 24
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