Compare YES BANK ELITE+ Credit Card and ICICI Bank Sapphiro Credit Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.
Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.
Upper-mid-tier users who can use online reward acceleration, limited international lounges and recurring lifestyle benefits without paying a large annual fee.
Premium lifestyle and travel users who can use the welcome vouchers, lounges, movie offers and golf benefits enough to offset the fee.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare/yes-bank-elite-plus-credit-card-vs-icici-sapphiro-credit-card/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
4 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 11, 2026
Maintenance: Within the scheduled review window
4 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.
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| Decision factor | YES BANK ELITE+ Credit Card | ICICI Bank Sapphiro Credit Card |
|---|---|---|
| Joining fee | ₹999 + applicable GST | ₹6,500 + GST |
| Annual fee | ₹999 + applicable GST | ₹3,500 + GST |
| Fee waiver | Spend ₹20,000 within 30 days to waive first-year membership fee; spend ₹2 lakh in the anniversary year to waive the next renewal fee | Annual fee waived for the next year on spends over ₹6 lakh |
| Rewards | 12 YES Rewardz Points per ₹200 on eligible online shopping, 6 per ₹200 on eligible offline shopping and 4 per ₹200 on select categories; accelerated online earn is capped at 12,000 points per statement cycle | ICICI Bank Reward Points plus premium welcome vouchers and lifestyle benefits; current issuer terms control earning exclusions and redemption value |
| Lounge | 2 complimentary domestic lounge visits per quarter and 3 complimentary international lounge visits per year in the reviewed value chart; domestic access is subject to current qualifying-spend rules | 4 complimentary domestic airport lounge visits per quarter under the current product proposition, subject to ₹75,000 spend in the preceding calendar quarter; dual-card variants allocate 2 visits per variant. The card also lists 2 complimentary international lounge visits annually. |
| Forex markup | 2.75% foreign-currency conversion charge in the reviewed Schedule of Charges | 3.5% foreign-currency markup |
| Network | Visa / Mastercard / RuPay variant as offered | Mastercard & American Express or Visa & RuPay dual variants may be offered |
| Eligibility / approval | Subject to YES BANK underwriting, documentation and internal eligibility policy | Reviewed issuer page lists Indian citizens age 21+ with indicative salaried monthly income of ₹75,000 or self-employed annual income of ₹9 lakh; approval remains with ICICI Bank |
These cautions remain attached to the underlying card records instead of being converted into a score.
These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.
Each side keeps its own review date, source set and evidence state.
Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
Reviewed September 9, 2026 · 4 attached first-party sources
Reviewed September 11, 2026 · 4 attached first-party sources