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WINNER
ICICI Sapphiro Credit Card
ICICI Sapphiro Credit Card
ICICI Bank
VS
R
RBL Bank Platinum Maxima Plus Card
RBL Bank

ICICI Sapphiro Credit Card vs RBL Bank Platinum Maxima Plus Card

Detailed side-by-side comparison based on fees, rewards, benefits, and real user data.

credit card
Updated Jul 2026
Recommended
92
Overall Score / 100
4.6/5
80
Overall Score / 100
4.0/5

What would you save?· ₹ per year, after fees

50,000
₹5k₹1L₹2L
Better here
ICICI Sapphiro Credit Card
Rewards (10.0%)+ ₹60,000
Annual fee− ₹3,500
Net per year+56,500
RBL Bank Platinum Maxima Plus Card
Rewards (0.0%)+ ₹0
Annual feeFree
Net per year0
ICICI Sapphiro Credit Card gives you 56,500 more per year at this spend level.

Estimates use the headline reward rate. Real rewards depend on category-wise spend, monthly caps, and welcome-bonus eligibility. See the full T&C on the issuer's website before applying.

Feature-by-Feature Comparison

Feature
ICICI Sapphiro Credit Card
RBL Bank Platinum Maxima Plus Card
Annual Fee
₹3,500
Free
Joining Fee
₹6,500
Free
Reward Rate
10X dining, 4% base
Welcome Bonus
7,000 reward points
None
Lounge Access
Unlimited international + domestic
None
Min. Income
₹1,50,000
Min. Credit Score
770

InvestingPro Expert Verdict

Based on SEBI-compliant analysis • Affiliate disclosed

RBL Bank Platinum Maxima Plus Card wins here with a lower annual fee (₹3,000 vs ₹3,500) and a higher reward rate (5% vs 4%). ICICI Sapphiro Credit Card remains a solid alternative at ₹3,500 annually, especially if you're already banking with ICICI Bank.

Who Should Get Which?

💰
Choose ICICI Sapphiro Credit Card
Lower annual fees — ideal for budget-conscious users who want value without high costs.
✈️
Choose RBL Bank Platinum Maxima Plus Card
Higher fee but more premium perks like lounge access and higher reward rates — best for frequent spenders.
ICICI Sapphiro Credit Card
ICICI Sapphiro Credit Card
ICICI Bank

Opens official ICICI Bank website

RBL Bank Platinum Maxima Plus Card
RBL Bank

Opens official RBL Bank website

Disclaimer: This comparison is for informational purposes only. Product details may change; verify on official bank websites before applying. InvestingPro may earn affiliate commission on approved applications. Not SEBI registered investment advice.

No paid rankings
Methodology disclosed
SEBI-compliant
Editorial standards