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InterMiles ICICI Bank Sapphiro Credit Card Vs. MakeMyTrip ICICI Bank Signature Credit Card

InterMiles ICICI Bank Sapphiro Credit Card

InterMiles ICICI Bank Sapphiro Credit Card

MakeMyTrip ICICI Bank Signature Credit Card

MakeMyTrip ICICI Bank Signature Credit Card

Comparison of InterMiles ICICI Bank Sapphiro Credit Card and MakeMyTrip ICICI Bank Signature Credit Card

Feature
InterMiles ICICI Bank Sapphiro Credit Card
MakeMyTrip ICICI Bank Signature Credit Card
Annual Fee
₹5,000 + GST (~₹5,900)
Nil
Joining Fee
₹5,000 + GST (~₹5,900)
2,500 + GST
Welcome Benefits
10,000 InterMiles + discount vouchers
Receive 1,500 MyCash upon payment of the one-time joining fee.
Interest Rate (APR)
3.5% per month (42% annually)
N/A
Foreign Currency Markup
3.5% + GST (~4.13%)
N/A
Key Highlights
  • •Generous Welcome Benefits
  • •Accelerated InterMiles Earning
  • •InterMiles Silver Tier Membership
  • •Flexible Redemption Options
  • •Premium Lounge Access
  • •Dual Variant Options
  • •Etihad Airways Partnership
  • •Annual Renewal Benefits
  • •24×7 Concierge Service
  • •Complimentary Golf Privileges
  • •Exclusive Travel Rewards
  • •Premium Membership
  • •Welcome Gift
  • •Milestone Benefits
  • •Lounge Access
Dos
  • Book all Etihad Airways tickets with this card to earn up to 12.5 InterMiles per ₹100, plus enjoy 5–10% discounts.
  • Use the InterMiles website for bookings to earn 2X base miles on flights and hotels.
  • Pay your credit card bill in full and on time to avoid 42% APR interest charges and maintain an excellent credit score.
  • Spend a minimum of ₹5,000 per quarter to unlock domestic lounge access benefits for the following quarter.
  • Track your annual InterMiles cap to avoid surprise uncapping fees or plan for them in advance.
  • Use the card for all travel bookings on MakeMyTrip to maximise MyCash rewards.
  • Pay the full statement balance by the due date to avoid high finance charges.
  • Actively redeem MyCash towards travel.
  • Utilise the 1% fuel surcharge waiver benefit regularly at eligible HPCL stations.
  • Leverage the MMTBLACK Platinum perks like upgrades and special offers during hotel stays.
Don'ts
  • Don't use the card for fuel purchases—they earn zero InterMiles and waste valuable spending capacity.
  • Avoid utility and insurance payments on this card as they earn only 1 InterMile per ₹100.
  • Never miss payment due dates—late fees are substantial, and interest charges are crushing at 42% APR.
  • Don't expect a fee waiver—the ₹5,000 annual fee must be paid regardless of spending levels.
  • Don't ignore the annual earning cap—budget for the ₹7,500 uncapping fee or moderate spending to stay within 60,000 miles.
  • Avoid using the card for cash advances as this incurs high fees and finance charges immediately.
  • Ignore the minimum spend requirements for domestic lounge access, which would result in forfeited access.
  • Share your card details or PIN with any untrusted sources or through non-secure communication channels.
  • Miss the payment due dates, as this can lead to substantial late payment fees and negatively impact your credit history.
  • Use the card for commercial or business purposes, as it is intended for personal expenditure only.

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