Sapphiro LTF - still worth keeping or not?

[Finchamp!]

Hi!

Considering the recent devaluation, is ICICI Sapphiro worth keeping for anything? I have it LTF under alumni offer - but my intent is to declutter my CC portfolio. I have LTF Indusind Pinnacle/ IDFC Wealth for movie offers. I have been informed, that ICICI Card offers some shopping discounts. What are these discounts? My CC portfolio as on date is -

1. Axis Atlas CC
2. IDFC Wealth CC
3. Indusind Pinnacle CC + Indusind Eazydiner CC
4. PNB Rupay Select CC

Is there any benefit that ICICI Sapphiro provides, which the above listed cards do not?

 

[sousnake]

BMS 1+1 upto 500 & ICICI offers. That's it.
Close it if you don't need these two.

 

[amitr29]

Hi!

Considering the recent devaluation, is ICICI Sapphiro worth keeping for anything? I have it LTF under alumni offer - but my intent is to declutter my CC portfolio. I have LTF Indusind Pinnacle/ IDFC Wealth for movie offers. I have been informed, that ICICI Card offers some shopping discounts. What are these discounts? My CC portfolio as on date is -

1. Axis Atlas CC
2. IDFC Wealth CC
3. Indusind Pinnacle CC + Indusind Eazydiner CC
4. PNB Rupay Select CC

Is there any benefit that ICICI Sapphiro provides, which the above listed cards do not?

Worth keeping if lifetime free. Lot of discounts on Zomato, Swiggy and Zepto. Flat 7000 off on One plus. There are many such offers.

No harm keeping locked in drawer and using for offers.

 

[pgarg24]

Considering you dont have any other icici credit card definitely makes sense to keep it since it's ltf. There are sales and bank offers discount sometimes(like recent diwali sale on amazon etc)..

 

[Finchamp!]

BMS 1+1 upto 500 & ICICI offers. That's it.
Close it if you don't need these two.

I need. But BMS is covered through Indusind Pinnacle. Insofar as these ICICI offers go, what are they?

 

[Finchamp!]

Worth keeping if lifetime free. Lot of discounts on Zomato, Swiggy and Zepto. Flat 7000 off on One plus. There are many such offers.

No harm keeping locked in drawer and using for offers.

Understood! Makes sense. Are their specific benefits on Sapphiro based on the choice of network? I have it on Visa and Amex?

 

[amitr29]

Understood! Makes sense. Are their specific benefits on Sapphiro based on the choice of network? I have it on Visa and Amex?

Yes, sometimes there are offers on Amex network cards. For eg. Yesterday I got 200 off on Zomato on Amex network card

 

[WandereR]

But BMS is covered through Indusind Pinnacle.

Pinnacle is upto 200 only

 

[PrateekAgarwal]

I came here thinking I will get an answer to, whether I should keep the card or discontinue it. Frankly I had the same question in mind. In Kolkata, there is no usage of Amex version of the card, so I use it only for BMS 1 + 1 2 times in a month. I also have the LTF cards.

What will be the impact on Credit Score, once I discontinue the card?

Also, from what I understand, there is an additional fee of Rs 199+GST introduced on the add-on card. Is it worth paying ?

 

[fradela]

This is best LTF movie card. 500 off whereas IDFC Wealth card just 250 off.

Don't close this.

Close IDFC Wealth. No use.

Nowadays, most of the people are closing IDFC Wealth after devaluation.

 

[fradela]

4. PNB Rupay Select CC

Can you share the benefits of this card?

Does this card provides same benefits like RuPay Select Debit Card?

 

[deepak84]

I got to know that after devaluation of this card , the Domestic Lounge access needs 75K spends to get access in the next quarter. Is there any spend based criteria for International Lounge access for sapphiro . I got it approved as LTF. Think now only International Lounge access and BMS Offer is left to use in this card.

 

[Finchamp!]

I got to know that after devaluation of this card , the Domestic Lounge access needs 75K spends to get access in the next quarter. Is there any spend based criteria for International Lounge access for sapphiro . I got it approved as LTF. Think now only International Lounge access and BMS Offer is left to use in this card.

Band kar de bhai! Thakela card hai.