ICICI Bank Sapphiro vs IDFC FIRST Bank FIRST Wealth
A field-by-field comparison of fees, reward rates, accelerated categories, caps, exclusions, lounge access and forex markup, using each issuer's own published terms. Affiliate payout never decides the verdict.
Short answer
ICICI Bank Sapphiro and IDFC FIRST Bank FIRST Wealth differ first on recurring cost: ICICI Bank Sapphiro has an annual fee of ₹3,500 + GST against ₹0 for IDFC FIRST Bank FIRST Wealth, so IDFC FIRST Bank FIRST Wealth is cheaper to hold. On rewards, ICICI Bank Sapphiro earns 2 ICICI Bank Reward Points per ₹100 on eligible domestic retail spend while IDFC FIRST Bank FIRST Wealth earns 3 Reward Points per ₹200 on eligible spend (0.375% at ₹0.25/point). IDFC FIRST Bank FIRST Wealth has the lower forex markup at 1.5%. Neither card wins outright: the better choice depends on which accelerated categories match your spend, the monthly caps, the exclusions and issuer approval fit.
Source: CardMasters issuer-evidence catalogue, release 2026-08-01. Confirm final terms with the issuer.
| Feature | ICICI Bank Sapphiro | IDFC FIRST Bank FIRST Wealth |
|---|---|---|
| Issuer | ICICI Bank | IDFC FIRST Bank |
| Joining fee | ₹6,500 + GST | ₹0 |
| Annual fee | ₹3,500 + GST | ₹0 |
| Fee waiver | ₹6,00,000 annual eligible spend | No waiver recorded |
| Base rewards | 2 ICICI Bank Reward Points per ₹100 on eligible domestic retail spend | 3 Reward Points per ₹200 on eligible spend (0.375% at ₹0.25/point) |
| Accelerated routes | international spends · utility, insurance and government payments | dining, travel, international and birthday spends |
| Reward exclusions | fuel, rent, wallet load, cash advance, fees | fuel, emi, cash advance, fees, loan on card, balance transfer |
| Forex markup | 3.5% | 1.5% |
| Domestic lounge | 4/quarter (₹75,000 spend in previous quarter) | 1/quarter after ₹20K spend in the previous calendar month |
| International lounge | 2/yr + complimentary Priority Pass membership | 1/quarter after ₹20K spend in the previous calendar month |
| Card networks | Visa Signature, Mastercard World, Amex, RuPay | Visa Infinite |
| Best suited to | lounge, golf, premium lifestyle | lifetime free, low forex, premium on budget |
| Issuer evidence | Checked 2026-08-01 | Checked 2026-08-01 |
Frequently asked questions
Is the ICICI Bank Sapphiro better than the IDFC FIRST Bank FIRST Wealth?
Neither is universally better. ICICI Bank Sapphiro charges ₹3,500 + GST a year and earns 2 ICICI Bank Reward Points per ₹100 on eligible domestic retail spend; IDFC FIRST Bank FIRST Wealth charges ₹0 and earns 3 Reward Points per ₹200 on eligible spend (0.375% at ₹0.25/point). The better card is the one whose accelerated categories, caps and exclusions match your actual spending, after subtracting the annual fee and GST.
Which of the two has the lower annual fee, ICICI Bank Sapphiro or IDFC FIRST Bank FIRST Wealth?
IDFC FIRST Bank FIRST Wealth has the lower recorded annual fee at ₹0. A spend-based waiver may reduce the effective cost of the other card, so check the waiver threshold before deciding.
Which is better for international spending, ICICI Bank Sapphiro or IDFC FIRST Bank FIRST Wealth?
IDFC FIRST Bank FIRST Wealth publishes the lower forex markup at 1.5% versus 3.5%. Also confirm whether international transactions earn rewards, since some issuers exclude them.
Can I hold both cards together?
Yes, provided each is approved on its own merits and you can pay both statements in full. Holding both makes sense only when their accelerated categories do not overlap; otherwise the second card adds an annual fee without adding rewards.