ICICI Sapphiro vs Kotak Mojo

Compare ICICI Sapphiro vs Kotak Mojo across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

ICICI Sapphiro leads on reward rate, while Kotak Mojo has the lowest annual fee.

Card 1

ICICI Sapphiro

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.6.2

Card 2

Kotak Mojo

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.3.3

Premium stack6.2

icici / MASTERCARD

ICICI Sapphiro

Annual

₹6,500

Return

Lounges

Forex

3.5%

Card summary

ICICI Sapphiro leans travel and lifestyle with ₹6,500 annual fee, 3% headline return potential, and 12 lounge access.

Pros

Strong benefit ceiling if you recover the ₹6,500 annual fee.
3% reward rate can outperform flat cashback for loyal users.
12 lounge access adds travel utility.

Cons

3.5% forex markup can reduce overseas value.
Higher ₹14,00,000 income expectation narrows eligibility.
Travel value depends on actually using lounge and trip perks.

Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Best when annual benefits are actively redeemed.

Full card details

Balanced value3.3

kotak / MASTERCARD

Kotak Mojo

Annual

₹1,000

Return

2.5%

Lounges

Forex

3.5%

Card summary

Kotak Mojo leans reward-led with ₹1,000 annual fee, 2.5% headline return potential, and 0 lounge access.

Pros

Strong benefit ceiling if you recover the ₹1,000 annual fee.
2.5% reward rate can outperform flat cashback for loyal users.
Simple everyday positioning without premium travel complexity.

Cons

3.5% forex markup can reduce overseas value.
Eligibility still depends on bank policy and credit history.
Travel benefits are limited compared with premium cards.

Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details

Metric

ICICI Sapphiro

Kotak Mojo

Fees

Annual fee

₹6,500

₹1,000

Joining fee

₹6,500

₹1,000

Rewards

Cashback rate

0.75%

Reward rate

2.5%

Travel

Forex markup

3.5%

Domestic lounges

International lounges

Benefits

Fuel waiver

Yes

Dining

Yes

Movies

Yes

Eligibility

Minimum income

₹14,00,000

₹4,50,000

ICICI Sapphiro vs Kotak Mojo

Futuristic side-by-side card intelligence

ICICI Sapphiro

Kotak Mojo

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