Add more cards → Shortlist 2–4 cards
Horizon vs Sapphiro – Full comparison
Both cards verified with issuer
Horizon source Sapphiro sourceAnnual fee structure is a key difference
Key differences
Lowest fee Horizon ₹3,000
Best lounge Horizon 32/year lounge
Spend context
At ₹50k/month spend:
- Sapphiro: ~₹250/month at base rate
- Horizon: Base earn not clearly specified
Approximate, based on base rates (before caps).
| Horizon AXIS | Sapphiro ICICI | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 32/year vs 4/quarter | 32/year | 4/quarter |
| International lounge visits 8/year vs 2/year | 8/year | 2/year |
| Forex / International Use | ||
| Forex markup No difference | 3.5% | 3.5% |
| Fees | ||
| Annual fee ₹3,000 vs ₹3,500 | ₹3,000 | ₹3,500 |
| Joining fee ₹3,000 vs ₹6,500 | ₹3,000 | ₹6,500 |
| Fee waiver spend Only available for Sapphiro | Not clearly specified | ₹6,00,000 |
| Rewards | ||
| Points per ₹100 Only available for Sapphiro | Check issuer | 2 pts |
| Point cash value Only available for Sapphiro | Check issuer | ₹0.25 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Related compare links
- Horizon vs SELECT AXIS vs AXIS
- Horizon vs Privilege AXIS vs AXIS
- Horizon vs Atlas AXIS vs AXIS
- Sapphiro vs Rubyx American Express ICICI vs ICICI
- Sapphiro vs Coral ICICI vs ICICI
- Sapphiro vs HPCL Super Saver ICICI vs ICICI
Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.