Updated September 29, 2026 · SumCue Editorial Team
ICICI Bank vs Wirex
ICICI Bank
Wirex
Higher score in this comparison
ICICI Bank vs Wirex: the differences
| Compare | ICICI BankReviewVisitVisit | WirexReviewVisitVisit |
|---|---|---|
| Annual fee | ₹3,500 | $0 |
| Currency conversion fee | 3.5% | 0%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 | Up to 8% cashback |
| 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 | 50% off subscriptions |
| APR | 9.99% to 16.5% | Not confirmed |
| Credit needed | Good | Not confirmed |
| Card kind | Credit | Not confirmed |
| Regulators | Not confirmed | Superintendency of the Financial System |
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Key differences
- Wirex scores higher overall: 9.1 vs 8.9.
- Founded is lower at ICICI Bank: 1994 vs 2014.
- Currency conversion fee is lower at Wirex: 0% 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 Wirex offers 50% off subscriptions.
- Support channels: only ICICI Bank offers Phone, Chat.
- Support channels: only Wirex offers Community.
- Pricing model: only ICICI Bank offers Fixed rate.
- Pricing model: only Wirex offers No annual fee.
- Features: only ICICI Bank offers Rewards.
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.
Wirex
Wirex suits travellers and crypto spenders who want a Visa debit card with cashback and multi-currency spend linked to a mobile wallet. Monthly fee sits at $0 with currency conversion at 0%, while cover comes through Superintendency of the Financial System oversight in daily use.
Score breakdown
| Area | ICICI Bank | Wirex |
|---|---|---|
| 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%. | 9.5HigherMonthly fee at $0 and conversion at 0% keep everyday spend light |
| Offer | 9.4 | 9.4Cashback at Up to 8% cashback with support across 150 adds breadth |
| Trust | 9.0Higher | 8.5Oversight by Superintendency of the Financial System frames custody and card use for holders |
Spending 1,000 abroad
ICICI Bank
35
3.5% of 1,000
Wirex
0
0% of 1,000
Wirex comes out 35 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 28, 2026.
How they place
| Ranking | ICICI Bank | Wirex |
|---|---|---|
| Credit and debit cards | 43 of 1594 | 30 of 1594 |
| Credit cards | 15 of 421 | 11 of 421 |
Availability and regulation
| Country | ICICI Bank | Wirex |
|---|---|---|
| El Salvador | Not confirmed | |
| India | Not confirmed |
What we checked
ICICI Bank
- icici.bank.in: 14 facts, checked September 26, 2026
Wirex
- wirexapp.com: 11 facts, checked September 28, 2026
- help.wirexapp.com: 1 fact, checked September 28, 2026
Every fact side by side
| Fact | ICICI Bank | Wirex |
|---|---|---|
| Pricing model | Fixed rate | No annual fee |
| Features | Rewards | Crypto, Multi currency, Travel, Virtual card |
| Legal entity | ICICI Bank Ltd. | Wirex Europe sp z.o.o. |
| Headquarters | India | United Kingdom |
| Founded | 1994Lower | 2014 |
| Support channels | Phone, Help centre, Chat | Community, Help centre |
Loans
| Fact | ICICI Bank | Wirex |
|---|---|---|
| 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 | Wirex |
|---|---|---|
| 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 | Wirex |
|---|---|---|
| Initial rate | 7.55% | Not confirmed |
| Maximum loan to value | 80% to 90% | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Crypto wallets
| Fact | ICICI Bank | Wirex |
|---|---|---|
| Wallet type | Not confirmed | Mobile |
| Price | Not confirmed | $0 |
| Custody | Not confirmed | Self custody |
| Coins supported | Not confirmed | 40 |
Crypto exchanges
| Fact | ICICI Bank | Wirex |
|---|---|---|
| Fiat deposit methods | Not confirmed | Card, Bank, SEPA, ACH |
| Withdrawal fee | Not confirmed | Variable network fees |
| Exchange type | Not confirmed | Cex |
Where each stands against the rest
| Fact | ICICI Bank | Wirex | Median |
|---|---|---|---|
| APR | 9.99% to 16.5%below the median | Not confirmed | 11.635 |
| Currency conversion fee | 3.5%highest quarter | 0%below the median | 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.
Wirex
Pros
- Monthly upkeep stays at $0 with no annual charge at $0
- Foreign spend carries 0% conversion on the Visa network Visa
- Cashback rewards of Up to 8% cashback plus perks covering 50% off subscriptions
Cons
- Support runs on community and help centre only
- Crypto withdrawals face Variable network fees, which can vary with network conditions
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.
Wirex
Who it suits
- Travellers spending across currencies who want Visa acceptance
- Crypto holders wanting mobile access with card spend
Who should look elsewhere
- Card shoppers wanting wider coin coverage may prefer Bitpanda for a different asset range
- Users wanting voice based service may prefer eToro for a different support setup
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 | Wirex |
|---|---|---|
| India | Yes | No |
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.
Wirex
What does the Wirex card cost each month?+
Monthly upkeep sits at $0 and annual upkeep sits at $0. You can hold and spend through the linked account without a standing charge for the card itself, which helps budgeting across travel and daily shopping.
Does Wirex charge for currency conversion?+
Currency conversion on card use sits at 0%. You can spend abroad and across currencies without an added exchange markup on the card, which keeps travel purchases and online orders in other currencies easier to plan.
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