ICICI
ICICI Bank Sapphiro Mastercard Credit Card
Premium card · 16/year domestic lounge · 3.5% forex markup.
- Strong lounge access 16 lounge visits per year
Annual fee ₹3,500 per year
Forex markup 3.5% high
Lounge access 16 visits / year
Rewards / ₹100 2 pts base
At a glance
Snapshot · usage · fitFast facts
- Annual fee
- ₹3,500
- Joining fee
- ₹6,500
- Forex markup
- 3.5%
- Lounge access
- 16/year domestic lounge
- Reward rate
- 2 pts / ₹100
What you'd do with it
- Works best for travelers who need around 16 domestic lounge visits a year.
- Less suited to international transactions because forex markup is 3.5%.
Best for
- Strong lounge access
Not the best for
- High forex markup (3.5%)
Still worth it?
Evidence-backed snapshotGood fit if
- Lounge access is on file.
Watch out for
- Forex markup is 3.5%, so frequent international spends may be costly.
- One or more decision fields have source disagreement; verify before applying.
Verify before applying
- Welcome benefit timing and claim process.
- Lounge spend criteria, guest rules, and visit caps.
- Annual fee waiver terms and eligible spend exclusions.
- Issuer fees, GST, finance charges, and late-payment terms.
- Reward exclusions, caps, redemption value, and voucher timelines.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~1,000 pts/month (base earn)
- Fee waiver conditions unclear — verify
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic visits
- 16/year
- International visits
- 2/year
Rewards
- Points per ₹100
- 2 pts
Fees & charges
Fees
- Annual fee
- ₹3,500
- Joining fee
- ₹6,500
International Use
- Forex markup
- 3.5%
- Product tier
- Premium
Annual fee break-even math
When does this card pay for itselfAnnual fee is ₹3,500 and a clean break-even threshold is not clearly specified in the current snapshot.
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · sources · last refresh- Card facts refreshed on 5 June 2026.
- Annual fee on file: ₹3,500.
- Forex markup currently listed at 3.5%.
- 16/year domestic lounge is on file in the latest refinery snapshot.