Suggestions - ICICI Sapphiro or IDFC WEALTH

[ashishkaparwan17]

Hi
I am getting ICICI Sapphiro as an LTF card under the alumni program. Considering that I will also get IDFC Wealth as an LTF card, can you please suggest to me which card should I go for and why?
I am really confused as both the cards have more or less the same benefits.
Please feel free to drop any advice for me as I am a beginner in the credit card world.
Thank you

 

[luciferocious]

take both as they are ltf why the question?

 

[ashishkaparwan17]

take both as they are ltf why the question?

Both have almost the same benefits as per their website. I would have taken both if rewards/benefits were different. I don't want to manage 2 similar cards.

 

[luciferocious]

Both have almost the same benefits as per their website. I would have taken both if rewards/benefits were different. I don't want to manage 2 similar cards.

i have 35 ccs, so I cant answer this question as in your place i would have taken both. Go with IDFC wealth for better rps

 

[anuragmukherjee28]

hope this detailed comparison of ICICI Sapphiro and IDFC Wealth helps

Feature	ICICI Sapphiro	IDFC Wealth
Card Type	Premium	Premium
Annual Fee	₹4,999 (Lifetime free for Wealth Savings account holders or those with ₹2 lakh AMB)	₹5,000 (Lifetime free for Wealth Management clients or refundable on ₹3 lakh annual spend)
Reward Points	2 points per ₹100 on fuel, groceries, dining, and department stores; 1 point on others	3 points per ₹100 on dining, fuel, and travel; 1 point on others
Airport Lounge Access	Domestic lounge access (upon meeting spend requirements); Priority Pass available for additional fee	Unlimited domestic lounge access; 12 complimentary international lounge visits per year
Other Benefits	Complimentary insurance, movie ticket discounts, dining offers, fuel surcharge waivers, Amazon vouchers, railway lounge access (select variants), free weekend movie tickets	Complimentary insurance, movie ticket discounts, dining offers, fuel surcharge waivers, higher ATM withdrawal limits, complimentary golf rounds, exclusive events and experiences
Best for	Those with Wealth Savings accounts or high balances, frequent grocery/dining shoppers, those valuing Priority Pass	Those seeking higher rewards on dining/fuel/travel, frequent airport lounge users, those seeking exclusive experiences

 

[Mani Deep G]

Hi
I am getting ICICI Sapphiro as an LTF card under the alumni program. Considering that I will also get IDFC Wealth as an LTF card, can you please suggest to me which card should I go for and why?
I am really confused as both the cards have more or less the same benefits.
Please feel free to drop any advice for me as I am a beginner in the credit card world.
Thank you

You are alumni of which college. I mean IIT or IIM?

 

[Skylar]

I would contemplate acquiring these cards exclusively for the reasons stated:

- IDFC Wealth: For the benefit of the ‘Buy One Get One’ offer on movie tickets up to ₹250, and access to four railway lounges per quarter.

- ICICI Sapphiro: Solely as a precursor to a potential upgrade to the ICICI Emeralde Private Metal Credit Card in the future.

 

[mkate]

Hi
I am getting ICICI Sapphiro as an LTF card under the alumni program. Considering that I will also get IDFC Wealth as an LTF card, can you please suggest to me which card should I go for and why?
I am really confused as both the cards have more or less the same benefits.
Please feel free to drop any advice for me as I am a beginner in the credit card world.
Thank you

does IDFC too have an alumni program?