ICICI Bank Emeralde Credit Card
Rs 12,000Annual fee
Rs 10,00,000Fee waiver spend
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited complimentary domestic and international lounge access for the primary cardholder; no spends criteria applies.
- Unlimited complimentary domestic and international lounge access for the primary cardholder; no spends criteria applies.
2%Forex markup
Best for
premium, travel, lounge, golf, movies
Top rewards
International spends: 4 Reward Points / Rs 100 spent; Utility & Insurance spends: 1 Reward Point / Rs 100 spent; Other spends: 4 Reward Points / Rs 100 spent
ICICI Bank Sapphiro Credit Card
Rs 3,500Annual fee
Rs 6,00,000Fee waiver spend
16Domestic lounge
Domestic lounge conditions
- Complimentary domestic lounge access (4 visits per quarter) requires a minimum spend of Rs 75,000 in the previous calendar quarter.
- Complimentary international lounge access (2 visits per calendar year) is provided via Priority Pass or DreamFolks.
3.5%Forex markup
Best for
premium, travel, lounge, movies, golf
Top rewards
International spends: 4 Reward Points / Rs 100 spent; Utility & Insurance spends: 1 Reward Point / Rs 100 spent; Other spends: 2 Reward Points / Rs 100 spent
| Feature | ICICI Bank Emeralde Credit Card | ICICI Bank Sapphiro Credit Card |
|---|---|---|
| Issuer | ICICI Bank | ICICI Bank |
| Network | Mastercard, American Express | Visa, Mastercard, American Express |
| Joining fee | Rs 12,000 | Rs 6,500 |
| Annual fee | Rs 12,000 | Rs 3,500 |
| Fee waiver spend | Rs 10,00,000 | Rs 6,00,000 |
| Reward type | reward points | reward points |
| Best for | premium, travel, lounge, golf, movies | premium, travel, lounge, movies, golf |
| Top reward categories | International spends: 4 Reward Points / Rs 100 spent; Utility & Insurance spends: 1 Reward Point / Rs 100 spent; Other spends: 4 Reward Points / Rs 100 spent | International spends: 4 Reward Points / Rs 100 spent; Utility & Insurance spends: 1 Reward Point / Rs 100 spent; Other spends: 2 Reward Points / Rs 100 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | Unlimited | 16 |
| International lounge | Unlimited | 2 |
| Forex markup | 2% | 3.5% |
| Milestone benefits | Not listed | Earn 4,000 Reward Points on spending Rs 4 Lakhs in an anniversary year, Earn 2,000 Reward Points for every additional Rs 1 Lakh spent in the same anniversary year, Maximum milestone rewards capped at 20,000 Reward Points (on Rs 12 Lakhs annual spend) per anniversary year |
| Redemption | Air miles: upto Rs 0.1667 per point; Statement credit: upto Rs 0.25 per point | SmartBuy travel: upto Rs 0.25 per point; Statement credit: upto Rs 0.25 per point |
| Key exclusions | Fuel transactions, Rent payments, E-wallet loading transactions, Government transactions, Tax payments, EMI transactions | Fuel transactions, Rent payments, E-wallet loading transactions, Government transactions, EMI transactions |