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Emeralde vs Sapphiro – Full comparison
Both cards verified with issuer
Emeralde source Sapphiro sourceForex costs are a key difference
Key differences
Best forex Emeralde 2%
Lowest fee Sapphiro ₹3,500
Best lounge Emeralde Unlimited lounge
Spend context
At ₹50k/month spend:
- Emeralde: ~₹750/month at base rate
- Sapphiro: ~₹250/month at base rate
Approximate, based on base rates (before caps).
| Emeralde ICICI | Sapphiro ICICI | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits Unlimited vs 4/quarter | Unlimited | 4/quarter |
| International lounge visits Only available for Sapphiro | Varies by variant | 2/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 2% vs 3.5% | 2% | 3.5% |
| Fees | ||
| Annual fee ₹12,000 vs ₹3,500 | ₹12,000 | ₹3,500 |
| Joining fee ₹12,000 vs ₹6,500 | ₹12,000 | ₹6,500 |
| Fee waiver spend ₹10,00,000 vs ₹6,00,000 | ₹10,00,000 | ₹6,00,000 |
| Rewards | ||
| Points per ₹100 6 pts vs 2 pts | 6 pts | 2 pts |
| Point cash value No difference | ₹0.25 | ₹0.25 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
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Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.