ICICI Sapphiro vs IDFC FIRST Wealth
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
IDFC FIRST Wealth Credit Card wins 7 of 8 dimensions with a CardTrail Score of 8.7/10 vs 7.6/10.
| Feature | ICICI Sapphiro | IDFC FIRST Wealth |
|---|---|---|
| CardTrail Score | 7.6/10 | 8.7/10 |
| Annual Fee | ₹3,500 | Free |
| Base Reward Rate | 0.5% | 0.75% |
| Max Reward Rate | 2% | 6% |
| Forex Markup | 3.5% | 1.5% |
| Domestic Lounges | 4 | 8 |
| International Lounges | 2 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Infinite | Visa Signature |
When to Choose ICICI Sapphiro
- You can meet the fee waiver condition: Spend ₹6L/year
- Your primary spend is: travel, forex, premium
When to Choose IDFC FIRST Wealth
- You want a lifetime free card with zero annual cost
- You travel internationally — saves ₹2,000/year on ₹1L forex spend
- You want higher rewards — up to 6% vs 2%
- Airport lounge access matters — 8 domestic visits
Forex Cost Comparison
On ₹1,00,000 annual international spending: ICICI Sapphiro costs ₹4,130 in forex fees vs IDFC FIRST Wealth at ₹1,770. You save ₹2,360/year with IDFC FIRST Wealth.
Annual Fee Value Analysis
To break even on ICICI Sapphiro's ₹3,500 fee at 0.5% rewards, spend ₹58,333/month.
IDFC FIRST Wealth is lifetime free — no break-even needed.