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| Feature | HDFC Bank HDFC Bank Diners Club Privilege Credit Card | ICICI Bank ICICI Bank Sapphiro Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | ICICI Bank |
| Network | Diners Club | Visa + RuPay |
| Annual fee | ₹1,000 + GST per year | ₹3,500 + GST per year |
| Annual fee waiver | At ₹3,00,000 annual spending | At ₹6,00,000 annual spending |
| Base reward rate | 1% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 5% · Additional Swiggy and Zomato rewards | 0.5% · Domestic rewards |
| International spending | 1% · Base rewards | 1% · International rewards |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Eligible for merchant UPI payments |
| Airport lounge access | 8 domestic airport lounge visits per year • 4 international airport lounge visits per year | 16 domestic airport lounge visits per year • 2 international airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Approx. ₹35,000/month salaried · ₹50,000/month self-employed | Approx. ₹75,000/month salaried · ₹75,000/month self-employed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | Moviegoers and moderate travellers who can route enough quarterly spend to unlock lounge vouchers. | Regular BookMyShow users who value ICICI’s premium card ecosystem and occasional international airport lounge access. |
| Main trade-off | The movie benefit applies only to weekend shows. From July 2026 lounge vouchers require ₹60,000 in the preceding quarter, and Diners Club acceptance can be narrower than Visa or Mastercard. | From April 2026 the movie offer needs ₹25,000 of preceding-quarter spend. Domestic airport lounge access has a separate ₹75,000 quarterly threshold, and forex markup is 3.5%. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
