Updated October 17, 2026 · SumCue Editorial Team
ICICI Bank vs Upgrade OneCard™
ICICI Bank
Upgrade OneCard™
Higher score in this comparison
What sets them apart
| Compare | ICICI BankReviewVisitVisit | Upgrade OneCard™ReviewVisitVisit |
|---|---|---|
| Annual fee | ₹3,500 | $0 |
| Currency conversion fee | 3.5% | 3%Lower |
| Rewards type | Points | Cashback |
| Rewards rate | 4 points per INR 100 international spend, 2 points per INR 100 domestic spend, 1 point per INR 100 utility and insurance spend | 3% cash back on gas, groceries, streaming and monthly subscriptions, and utilities; 1% on everything else, uncapped |
| Perks | Welcome vouchers worth over INR 13,000 from Tata CLiQ, EaseMyTrip, Da Milano, Croma and EazyDiner, 2 complimentary international and 4 domestic airport lounge visits, Up to 4 complimentary golf rounds per month, 24/7 concierge service (i Assist), Air accident insurance cover up to INR 3 crore, 1% fuel surcharge waiver on fuel transactions up to INR 4,000, BookMyShow movie offers, up to INR 500 off the second ticket | Visa Zero Liability protection, Travel and Emergency Assistance Services, Roadside Dispatch, Upgrade Shopping offers, Rewards do not expire, 24/7 fraud monitoring and real time alerts, Flexible payment options Pay Now, Pay in 4, Pay Over Time (coming soon) |
| APR | 9.99% to 16.5% | Not confirmed |
| Credit needed | Good | Not confirmed |
Same on both: Card kind (Credit).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Upgrade OneCard™ scores higher overall: 9.0 vs 8.9.
- Currency conversion fee is lower at Upgrade OneCard™: 3% vs 3.5%.
- Perks: only ICICI Bank offers Welcome vouchers worth over INR 13,000 from Tata CLiQ, EaseMyTrip, Da Milano, Croma and EazyDiner, 2 complimentary international and 4 domestic airport lounge visits, Up to 4 complimentary golf rounds per month.
- Perks: only Upgrade OneCard™ offers Visa Zero Liability protection, Travel and Emergency Assistance Services, Roadside Dispatch.
- Support channels: only ICICI Bank offers Chat.
- Support channels: only Upgrade OneCard™ offers Email.
- Pricing model: only ICICI Bank offers Fixed rate.
- Pricing model: only Upgrade OneCard™ offers No annual fee.
Our verdict on each
ICICI Bank
ICICI Bank is a full-service Indian bank covering saving, spending and borrowing, so it suits customers who want one provider. The savings account pays 2.5% on a variable rate, with easy access to cash, bill payments and transfers by UPI, IMPS, NEFT and RTGS, and personal loans disburse instantly.
Upgrade OneCard™
Upgrade says applying does not affect a credit score, but approval triggers a hard inquiry that may affect it.
Score breakdown
| Area | ICICI Bank | Upgrade OneCard™ |
|---|---|---|
| Cost | 8.6Card costs weigh heavy: an annual fee of INR 3,500 on the Sapphiro card, and personal loan rates of 9.99% to 16.5%. | 8.8HigherAn annual fee of $0 on the credit card and a monthly fee of $0 on the checking account, against 3% for currency conversion. |
| Offer | 9.4 | 9.4 |
| Trust | 9.0 | Not confirmed |
Availability and regulation
| Country | ICICI Bank | Upgrade OneCard™ |
|---|---|---|
| India | Not confirmed | |
| United States | Not confirmed | NMLS 1548935 |
Additional countries for ICICI Bank: 1. Additional countries for Upgrade OneCard™: 1.
Spending 1,000 abroad
ICICI Bank
35
3.5% of 1,000
Upgrade OneCard™
30
3% of 1,000
Upgrade OneCard™ comes out 5 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
What we checked
ICICI Bank
- icici.bank.in: 14 facts, checked September 26, 2026
Upgrade OneCard™
- upgrade.com: 11 facts, checked September 26, 2026
How they place
| Ranking | ICICI Bank | Upgrade OneCard™ |
|---|---|---|
| Credit and debit cards | 43 of 1594 | 39 of 1594 |
| Credit cards | 15 of 421 | 14 of 421 |
Every fact side by side
| Fact | ICICI Bank | Upgrade OneCard™ |
|---|---|---|
| Pricing model | Fixed rate | No annual fee |
| Features | Rewards | Rewards |
| Legal entity | ICICI Bank Ltd. | Upgrade, Inc. |
| Headquarters | India | United States |
| Founded | 1994 | Not confirmed |
| Support channels | Phone, Help centre, Chat | Email, Phone, Help centre |
Loans
| Fact | ICICI Bank | Upgrade OneCard™ |
|---|---|---|
| Loan amount | ₹50,000 to ₹5,000,000 | Not confirmed |
| Term | 12 to 72 months | Not confirmed |
| Arrangement fee | Up to 2% of loan amount plus taxes (Personal Loan processing charge) | Not confirmed |
| Credit check | Hard | Not confirmed |
| Funding time | Instant disbursement | Not confirmed |
| Rate type | Variable | Not confirmed |
| Lender type | Direct lender | Not confirmed |
| Free early repayment | No | Not confirmed |
| Eligibility | Indian citizens aged 18-58 years; salaried minimum monthly income 30,000 rupees | Not confirmed |
| Origination fee (%) | 2% | Not confirmed |
| Loan types | Personal, Debt consolidation | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Savings
| Fact | ICICI Bank | Upgrade OneCard™ |
|---|---|---|
| Headline rate | 2.5% | Not confirmed |
| Minimum deposit | ₹2,500 to ₹15,000 | Not confirmed |
| Access terms | Easy access to funds: cash withdrawals, utility bill payments and online fund transfers through UPI, IMPS, NEFT and RTGS | Not confirmed |
| Monthly fee | Not confirmed | $0 |
| Account kind | Easy access | Not confirmed |
Mortgages
| Fact | ICICI Bank | Upgrade OneCard™ |
|---|---|---|
| Initial rate | 7.55% | Not confirmed |
| Maximum loan to value | 80% to 90% | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Debit cards
| Fact | ICICI Bank | Upgrade OneCard™ |
|---|---|---|
| Free ATM withdrawals | Not confirmed | $0 |
| Card type | Not confirmed | Debit |
| Cashback rate | Not confirmed | 2% |
| Card network | Not confirmed | Visa |
Where each stands against the rest
| Fact | ICICI Bank | Upgrade OneCard™ | Median |
|---|---|---|---|
| APR | 9.99% to 16.5%below the median | Not confirmed | 11.635 |
| Currency conversion fee | 3.5%highest quarter | 3%highest quarter | 1% |
Median across 486 listed providers.
Pros and cons
ICICI Bank
Pros
- Personal loans disburse with Instant disbursement, on amounts of INR 50,000 to INR 5,000,000 over terms of 12 to 72.
- The savings account is easy access, taking a minimum deposit of INR 2,500 to INR 15,000.
- The card pays points on spending, with lounge visits, golf rounds, concierge help and welcome vouchers added.
Cons
- Foreign spend on the card carries a currency conversion fee of 3.5%.
- Personal loan applications run a hard credit check, and good credit is the bar.
- Free early repayment is not offered, so settling a personal loan early carries a charge.
Upgrade OneCard™
Pros
- Age, location and repayment-capacity requirements are specified
Cons
- Approval triggers a hard inquiry that may affect the applicant’s credit score
Who each suits
ICICI Bank
Who it suits
- Salaried Indian citizens of adult age who want savings, a card and loans from one bank.
- Savers comfortable with a variable savings rate and borrowers happy with a fixed rate loan.
- Cardholders who want a credit card with lounge, golf and concierge perks on top of points.
Who should look elsewhere
- wise, if a card with no annual fee matters most, since its annual fee is £0.
- bunq, if you would rather hold a euro account with an annual fee of €0 on the card.
- Varo Believe Secured Credit Card, if a secured card with an annual fee of $0 is the better fit.
Upgrade OneCard™
Who it suits
- US applicants checking OneCard’s age, residency, credit inquiry and repayment criteria.
Who should look elsewhere
- Customers who want high advantages concentrated in one spending area.
- People who want extra travel benefits or premium card features.
Current offers
ICICI Bank
Current offer
Bonus
Sapphiro Credit Card welcome vouchers: Vouchers worth over INR 13,000
Upon payment of the joining fee of INR 6,500 + GST; vouchers worth INR 3,000 from Tata CLiQ, INR 4,000 from EaseMyTrip, INR 5,000 from Da Milano, INR 1,500 from Croma and an EazyDiner Prime Membership worth INR 1,095; issued within 45 business days
Source, checked September 26, 2026
Discount code
BookMyShow buy one get one movie offer on Sapphiro Credit Card: Up to INR 500 off the second ticket
From Apr 1, 2026 requires spending INR 25,000 or more on the Sapphiro Credit Card in the preceding spends quarter; one movie offer per month per card variant for dual-network cards
Source, checked September 26, 2026
Bonus
Sapphiro Credit Card milestone reward points: 4,000 reward points on INR 4 lakh annual spend, plus 2,000 points per additional INR 1 lakh, up to 20,000 points
Awarded in an anniversary year on qualifying annual spend
Source, checked September 26, 2026
Country by country
| Country | ICICI Bank | Upgrade OneCard™ |
|---|---|---|
| India | Yes | No |
| United States | No | Yes |
Questions about each
ICICI Bank
What does the card cost to hold each year?+
The annual fee on the card is INR 3,500, which sits above cards that charge nothing. Foreign currency transactions add a conversion fee of 3.5% on top. It is a credit card, so balances are meant to be cleared in full rather than carried.
What rewards does the card pay?+
Rewards come as points, earning more on international spend than on domestic, utility and insurance purchases. The credit card also carries welcome vouchers with travel, dining and retail partners, lounge visits, golf rounds, a round the clock concierge service, air accident cover and a fuel surcharge waiver.
Upgrade OneCard™
What sets this card apart from other everyday cards?+
Many everyday cards change how they treat spending by rotating categories or adding tiers that shift from month to month. This product keeps the approach level, so general purchases follow one consistent pattern. That steadiness is its main appeal, although people who want stronger advantages in particular areas may prefer other cards for their habits.
Can the card be used in place of a debit card?+
The product combines several functions, including a debit card element alongside credit and borrowing features. Holders who prefer a debit style of spending can use that function for day to day payments. Anyone who plans to rely on it that way should check how each function is set up before committing to the arrangement.
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