ICICI Bank Sapphiro Credit Card vs Eazydiner Indusind Bank Credit Card: Which Credit Card Wins in 2026?

Quick Verdict

• The ICICI Bank Sapphiro Credit Cardⓘ wins for everyday spend outside dining due to its higher base reward rate.
• The Eazydiner Indusind Bank Credit Cardⓘ dominates dining rewards with a 10% return, making it the best pick for food lovers.
• The Sapphiro card is more expensive with a higher joining and annual fee but offers more lounge access and premium travel benefits.
• Choose the Sapphiro if you value travel perks and a broader rewards spread; pick the Eazydiner if dining and restaurant discounts are your priority and you want a lower fee.

Side by Side

Rewards Compared

Spending Rs 10,000 on the ICICI Bank Sapphiro Credit Cardⓘ earns Rs 100 back at the base rate. However, if that spend falls into categories like online shopping, dining, or travel, the return doubles to Rs 200, making it a solid all-rounder for lifestyle and travel spends. The card’s reward structure encourages diversified spend with consistent 2% returns in these categories.

On the other hand, the Eazydiner Indusind Bank Credit Cardⓘ delivers Rs 70 at the base rate on Rs 10,000 spent generally. Its standout feature is a very high 10% return on dining spend, which means Rs 1,000 back on Rs 10,000 dining out. This makes it an exceptional choice for those whose primary expense is dining. For other categories, the base returns are modest, so it’s less rewarding for broad-based spend.

Fees Compared

The ICICI Bank Sapphiro Credit Cardⓘ comes with a joining fee of Rs 6,500 and an annual fee of Rs 3,500. These fees are on the higher side but can be waived if you spend Rs 6.00 lakh annually, which is Rs 50,000 per month. The break-even spend to cover the base fee with the card’s base reward rate is approximately Rs 3.5 lakh annually.

The Eazydiner Indusind Bank Credit Cardⓘ charges a lower joining fee and annual fee of Rs 2,999 each. Fees are waived on Rs 2.00 lakh annual spend, which is about Rs 16,667 monthly. However, because its base reward rate is lower, it requires about Rs 4.28 lakh in spend annually to cover the fees purely through rewards at the base rate.

The Sapphiro’s fee is Rs 501 higher annually than Eazydiner. To justify this extra fee through rewards alone, you would need to spend an additional Rs 1.67 lakh yearly on the Sapphiro card, given its higher base rate.

Which One Should You Pick

Pick the ICICI Bank Sapphiro Credit Cardⓘ if you travel frequently and value lounge access, 8 domestic and 4 international lounges per year, as well as broader 2% rewards on travel, dining, and online shopping. It suits high spenders willing to meet the Rs 6 lakh annual spend for fee waiver and benefit from the exclusive vouchers worth over Rs 9,500. Also, golf enthusiasts and shoppers looking for premium benefits will find it attractive.

Choose the Eazydiner Indusind Bank Credit Cardⓘ if your primary expense is dining out and you want to maximise rewards in this category with a lucrative 10% return. It is more affordable with lower joining and annual fees and offers complimentary EazyDiner Prime membership for restaurant discounts. This card is ideal for moderate spenders who want to enjoy fine dining benefits without the higher spend requirement for fee waiver.

Skip the Sapphiro if you do not spend heavily or value dining over travel perks, as the high fees and spend thresholds may not justify it. Avoid the Eazydiner if you want balanced rewards across categories or frequent international lounge access.

What to Check Before You Apply

• Verify the exact caps on category rewards; high returns like 10% dining may have limits.
• Check the redemption value and ease for points, as point-based rewards vary widely in flexibility.
• Understand the fee waiver calculation carefully, dividing annual spend by 12 to plan monthly usage.
• Note the forex markup of 3.5% on both cards, which makes foreign currency transactions expensive.
• Confirm lounge locations and access rules to ensure they fit your travel patterns.

FAQ