ICICI
Sapphiro
Premium card · 16/year domestic lounge (quarterly cap) · fee waiver achievable around ₹6L annual spend · 3.5% forex markup.
Strong for lounge access (4/quarter) · Weak for high forex (3.5%) and low base rewards (~0.5%)
4/quarter domestic lounge
Good for
- Airport lounge users
Not ideal for
- International spenders
- Rewards-focused users
Spend context
- Estimated monthly rewards: ~₹250/month (base rewards)
- Fee waiver achievable at this spend
- Forex cost ~₹1,750 per ₹50k international spend
Approximate, based on base rates and current snapshot.
Annual fee
₹3,500
Lounge
4/quarter (domestic)
Forex
3.5%
Limited support — verify with issuer
Reward rate
2 pts/₹100
Below median base earn (0.5% vs ~1%).
Verified with issuer
View official source (opens in new tab)Lounge Access
- Domestic visits
- 4/quarter
- International visits
- 2/year
International Use
- Forex markup
- 3.5%
- Product tier
- Premium
Fees
- Annual fee
- ₹3,500
- Joining fee
- ₹6,500
- Fee waiver spend
- ₹6,00,000 Above catalog median waiver (₹3,00,000 vs ₹6,00,000).
Rewards
- Points per ₹100
- 2 pts
- Point value
- ₹0.25
- Effective earn
- 0.5% (at stated point value)
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