# ICICI Coral vs ICICI Bank Sapphiro

ICICI Coral costs ₹500 a year and ICICI Bank Sapphiro ₹3,500. They differ on airport lounge access and the network.

Each row is what the bank publishes for each card, read from its own documents and dated. Nothing here ranks the cards: which one suits you turns on where you spend. Each card’s page holds every rule and its source.

- [ICICI Coral](https://getbrief.cards/cards/icici-coral), ICICI Bank
- [ICICI Bank Sapphiro](https://getbrief.cards/cards/icici-sapphiro), ICICI Bank

| | ICICI Coral | ICICI Bank Sapphiro |
|---|---|---|
| Annual fee | ₹500 + GST | ₹3,500 + GST |
| Fee waiver | Waived at ₹1,50,000 spend per card year | Waived at ₹6,00,000 spend per card year |
| Forex markup | 3.5% | 3.5% |
| On ₹1,00,000 spent abroad | ₹4,130 in markup and GST | ₹4,130 in markup and GST |
| Network | RuPay | Visa |
| Everyday spend | 2 RP / ₹100 (0.5%) | 2 RP / ₹100 domestic |
| Rewards in | ICICI Reward Points (entry tier), ₹0.25 a point at the bank’s baseline | ICICI Reward Points (entry tier), ₹0.25 a point at the bank’s baseline |
| Transfer partners | 1 programme | 1 programme |
| Airport lounges | 4 domestic visits a year | 4 domestic visits a quarter · 2 international visits a year |
| Spend milestones | 1 milestone | 1 milestone |
| Against a deposit | Yes, from ₹50,000 | None |
| Applications | Open | Open |
| Last checked | 27 October 2026 | 27 October 2026 |

## How each one earns

### ICICI Coral

- 2 RP / ₹100 (0.5%) · ✓ official · checked 26 October 2026
- "Other Credit Cards" tier via iShop (hotels) · 6 RP/₹100 · community-verified · checked 1 July 2026
- "Other Credit Cards" tier via iShop (flights/vouchers) · 3 RP/₹100 · community-verified · checked 1 July 2026
- 2 Reward Points per ₹100 on UPI, the card’s own rates by merchant · ✓ official · checked 26 October 2026
- 2 RP / ₹100 grocery and department stores, capped at ₹20,000 of spend a statement cycle (400 RP) · ✓ official · checked 26 October 2026
- 2 RP / ₹100 on transportation, capped at ₹10,000 of spend a statement cycle (200 RP) · ✓ official · checked 27 October 2026

Every rule on the ICICI Coral page: https://getbrief.cards/cards/icici-coral

### ICICI Bank Sapphiro

- 2 RP / ₹100 domestic · ✓ official · checked 26 October 2026
- "Other Credit Cards" tier via iShop (hotels) · 6 RP/₹100 · community-verified · checked 1 July 2026
- 4 RP / ₹100 international · ✓ official · checked 26 October 2026
- "Other Credit Cards" tier via iShop (flights/vouchers) · 3 RP/₹100 · community-verified · checked 1 July 2026
- 2 RP / ₹100 grocery and department stores, capped at ₹40,000 of spend a statement cycle (800 RP) · ✓ official · checked 26 October 2026
- 2 RP / ₹100 on transportation, capped at ₹20,000 of spend a statement cycle (400 RP) · ✓ official · checked 27 October 2026

Every rule on the ICICI Bank Sapphiro page: https://getbrief.cards/cards/icici-sapphiro


## Questions

### What is the annual fee of ICICI Coral and ICICI Bank Sapphiro?

As of 27 October 2026, ICICI Coral: ₹500 + GST, waived at ₹1,50,000 spend per card year. ICICI Bank Sapphiro: ₹3,500 + GST, waived at ₹6,00,000 spend per card year.

### Which charges less on spend abroad, ICICI Coral or ICICI Bank Sapphiro?

As of 27 October 2026, both charge a 3.5% markup: ₹4,130 on ₹1,00,000 spent abroad, GST included.

### Do ICICI Coral and ICICI Bank Sapphiro come with airport lounge access?

As of 27 October 2026, ICICI Coral: 4 domestic visits a year. ICICI Bank Sapphiro: 4 domestic visits a quarter · 2 international visits a year.


## Other cards side by side

- [ICICI Bank Platinum Chip vs ICICI Coral](https://getbrief.cards/compare/icici-platinum-vs-icici-coral)
- [ICICI Bank Sapphiro vs ICICI Bank Rubyx](https://getbrief.cards/compare/icici-sapphiro-vs-icici-rubyx)
- [ICICI Coral vs ICICI Bank Rubyx](https://getbrief.cards/compare/icici-coral-vs-icici-rubyx)
- [ICICI Bank Sapphiro vs HDFC Regalia Gold](https://getbrief.cards/compare/icici-sapphiro-vs-hdfc-regalia-gold)
- [ICICI Emeralde vs ICICI Bank Sapphiro](https://getbrief.cards/compare/icici-emeralde-vs-icici-sapphiro)

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

Canonical: https://getbrief.cards/compare/icici-coral-vs-icici-sapphiro