Which card has a lower forex fee: Axis Bank SELECT Credit Card or ICICI Sapphiro Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: Axis Bank SELECT Credit Card or ICICI Sapphiro Credit Card?

Axis Bank SELECT Credit Card has a lower annual fee (₹3,000 vs ₹3,500).

Which card offers better lounge access?

Axis Bank SELECT Credit Card: 8/year domestic lounge (2 per quarter). ICICI Sapphiro Credit Card: 16/year domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Add another card →

Axis Bank SELECT vs ICICI Bank Sapphiro Mastercard Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank SELECT and the ICICI Bank Sapphiro Mastercard. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Three core metrics

SELECT Axis Bank

Annual fee ₹3,000 Waivable at ₹6,00,000 spend
Forex markup 3.5%
Domestic lounge 8/year (2 per quarter)

Sapphiro Mastercard ICICI Bank

Annual fee ₹3,500
Forex markup 3.5%
Domestic lounge 16/year

Reward earning explained

Per card

SELECT

5 pts / ₹100 on General spend

Limited data

Sapphiro Mastercard

2 pts / ₹100 on General spend

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (Axis Bank SELECT: ₹3,000 vs ICICI Bank Sapphiro Mastercard: ₹3,500), forex markup (3.5% vs 3.5%), or lounge access (8/year (2 per quarter) vs 16/year).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

SELECT: Limited data Sapphiro Mastercard: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 8/year (2 per quarter). Domestic lounge access is 16/year.

SELECT: Limited data Sapphiro Mastercard: Limited data
Rewards Insufficient data

Insufficient data to compare rewards

Only Axis Bank SELECT has comparable evidence here. Estimated base reward value is ~1% on base spend.

SELECT: Limited data
upi Tie

Both cards are similar for UPI usage

Mastercard network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

SELECT: ~₹500/month at base rate
Sapphiro: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	SELECT Axis Bank	Sapphiro Mastercard ICICI Bank
Lounge Access
Domestic lounge visits 8/year (2 per quarter) vs 16/year	8/year (2 per quarter)	16/year
International lounge visits	2/year	2/year
Forex / International Use
Forex markup	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 SELECT	₹6,00,000	Not specified
Rewards
Points per ₹100 5 pts vs 2 pts	5 pts	2 pts
Point cash value Only available for SELECT	₹0.2	Not specified

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.