Sapphiro RuPay 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 ₹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, UPI
Top rewards
International Spends: 4 Reward Points / ₹100 spent; Utility & Insurance Spends: 1 Reward Point / ₹100 spent; UPI Spends: 2 Reward Points / ₹100 spent
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 / ₹100 spent; Utility & Insurance Spends: 1 Reward Point / ₹100 spent; Other Spends: 4 Reward Points / ₹100 spent
| Feature | Sapphiro RuPay Credit Card | Emeralde Credit Card |
|---|---|---|
| Issuer | ICICI Bank | ICICI Bank |
| Network | RuPay | Mastercard, American Express |
| Joining fee | Rs 6,500 | Rs 12,000 |
| Annual fee | Rs 3,500 | Rs 12,000 |
| Fee waiver spend | Rs 6,00,000 | Rs 10,00,000 |
| Reward type | Reward Points | Reward Points |
| Best for | Premium, Travel, Lounge, Movies, Golf, UPI | Premium, Travel, Lounge, Golf, Movies |
| Top reward categories | International Spends: 4 Reward Points / ₹100 spent; Utility & Insurance Spends: 1 Reward Point / ₹100 spent; UPI Spends: 2 Reward Points / ₹100 spent | International Spends: 4 Reward Points / ₹100 spent; Utility & Insurance Spends: 1 Reward Point / ₹100 spent; Other Spends: 4 Reward Points / ₹100 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 16 | Unlimited |
| International lounge | 2 | Unlimited |
| Forex markup | 3.5% | 2% |
| Milestone benefits | Earn 4,000 Reward Points on spending ₹4 Lakhs in an anniversary year, Earn 2,000 Reward Points for every additional ₹1 Lakh spent in the same anniversary year, Maximum milestone rewards capped at 20,000 Reward Points (on ₹12 Lakhs annual spend) per anniversary year | Not Listed |
| Redemption | SmartBuy travel: upto ₹ 0.25 per point; Statement credit: upto ₹ 0.25 per point | Air miles: upto ₹ 0.1667 per point; Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Fuel transactions, Rent payments, E-wallet loading transactions, Government transactions, EMI transactions | Fuel transactions, Rent payments, E-wallet loading transactions, Government transactions, Tax payments, EMI transactions |