InterMiles ICICI Bank Sapphiro Credit Card Vs. SBI Card MILES Elite

InterMiles ICICI Bank Sapphiro Credit Card

InterMiles ICICI Bank Sapphiro Credit Card

SBI Card MILES Elite

SBI Card MILES Elite

Comparison of InterMiles ICICI Bank Sapphiro Credit Card and SBI Card MILES Elite

Feature	InterMiles ICICI Bank Sapphiro Credit Card	SBI Card MILES Elite
Annual Fee	₹5,000 + GST (~₹5,900)	₹4,999 + GST
Joining Fee	₹5,000 + GST (~₹5,900)	₹4,999 + GST
Welcome Benefits	10,000 InterMiles + discount vouchers	Earn 5,000 Travel Credits worth ₹5,000 on spending ₹1,00,000 within 60 days of card issuance.
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	•Welcome Bonus •Travel Rewards •Milestone Benefits •Airport Lounge Access •Annual Fee Reversal
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.	Focus spending on travel bookings to earn 6 Travel Credits per ₹200 Pay the credit card bill in full before the due date to avoid interest charges Utilise international lounge access through Priority Pass for overseas travel Track the ₹1 lakh spend milestones to unlock additional domestic lounge visits Monitor spend progress towards ₹12 lakh for 20,000 bonus Travel Credits
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 expecting rewards on fuel, wallet reloads, EMIs, and utility payments Do not miss the minimum payment to prevent late fees and credit score damage Forget to redeem Travel Credits within 24 months before they expire Overspend beyond repayment capacity just to achieve milestone benefits Share card details, CVV, OTP, or PIN with anyone, including those claiming to be from the bank

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