ICICI Bank 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 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, upi
Top rewards
International spends: 4 Reward Points / Rs 100 spent; Utility & Insurance spends: 1 Reward Point / Rs 100 spent; UPI spends: 2 Reward Points / Rs 100 spent
YES BANK MARQUEE Credit Card
Rs 4,999Annual fee
Rs 10,00,000Fee waiver spend
24Domestic lounge
Domestic lounge conditions
- Domestic lounge access up to 6 visits per quarter for primary and add-on cardmembers
- Domestic lounge access is subject to a spend threshold of Rs 1,00,000 in the previous calendar quarter.
- Unlimited international lounge access for primary and add-on cardmembers
1%Forex markup
Best for
premium, travel, lounge, movies, golf
Top rewards
Online spends: 36 YES Rewardz Points / Rs 200 spent; Other retail spends: 18 YES Rewardz Points / Rs 200 spent; Select categories (utilities, insurance, education, telecom): 10 YES Rewardz Points / Rs 200 spent
| Feature | ICICI Bank Sapphiro RuPay Credit Card | YES BANK MARQUEE Credit Card |
|---|---|---|
| Issuer | ICICI Bank | YES Bank |
| Network | RuPay | Visa |
| Joining fee | Rs 6,500 | Rs 9,999 |
| Annual fee | Rs 3,500 | Rs 4,999 |
| Fee waiver spend | Rs 6,00,000 | Rs 10,00,000 |
| Reward type | reward points | YES Rewardz points |
| Best for | premium, travel, lounge, movies, golf, upi | 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; UPI spends: 2 Reward Points / Rs 100 spent | Online spends: 36 YES Rewardz Points / Rs 200 spent; Other retail spends: 18 YES Rewardz Points / Rs 200 spent; Select categories (utilities, insurance, education, telecom): 10 YES Rewardz Points / Rs 200 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 16 | 24 |
| International lounge | 2 | Unlimited |
| Forex markup | 3.5% | 1% |
| Milestone benefits | 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 | Not listed |
| Redemption | SmartBuy travel: upto Rs 0.25 per point; Statement credit: upto Rs 0.25 per point | Air miles: upto Rs 0.1 per point; Statement credit: upto Rs 0.25 per point |
| Key exclusions | Fuel transactions, Rent payments, E-wallet loading transactions, Government transactions, EMI transactions | Fuel transactions, Rental payments, Wallet loading transactions, Cash withdrawal / cash advance transactions, EMI transactions (including post-purchase and instant EMI) |