# ICICI Emeralde vs ICICI Bank Sapphiro

ICICI Emeralde costs ₹12,000 a year and ICICI Bank Sapphiro ₹3,500. They differ on the forex markup, airport lounge access, transfer partners and the statuses they open.

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

| | ICICI Emeralde | ICICI Bank Sapphiro |
|---|---|---|
| Annual fee | ₹12,000 + GST | ₹3,500 + GST |
| Fee waiver | Waived at ₹10,00,000 spend per card year | Waived at ₹6,00,000 spend per card year |
| Forex markup | 2% | 3.5% |
| On ₹1,00,000 spent abroad | ₹2,360 in markup and GST | ₹4,130 in markup and GST |
| Network | Visa | Visa |
| Everyday spend | 4 RP/₹100 retail | 2 RP / ₹100 domestic |
| Rewards in | ICICI Reward Points, ₹1 a point at the bank’s baseline | ICICI Reward Points (entry tier), ₹0.25 a point at the bank’s baseline |
| Transfer partners | None | 1 programme |
| Airport lounges | unlimited domestic visits · unlimited international visits | 4 domestic visits a quarter · 2 international visits a year |
| Statuses it opens | GHA Discovery Titanium | None |
| Spend milestones | None | 1 milestone |
| Applications | Open | Open |
| Last checked | 27 October 2026 | 27 October 2026 |

## How each one earns

### ICICI Emeralde

- 4 RP/₹100 retail · ✓ official · checked 26 October 2026
- 4 RP/₹100 grocery and department stores, capped at ₹40,000 of spend a statement cycle (1,600 RP) · ✓ official · checked 26 October 2026
- 4 RP/₹100 on transportation, capped at ₹20,000 of spend a statement cycle (800 RP) · ✓ official · checked 27 October 2026
- 1 RP/₹100 utilities, insurance and government payments; utilities and insurance capped at ₹80,000 of spend a statement cycle each (800 RP each) · ✓ official · checked 26 October 2026

Every rule on the ICICI Emeralde page: https://getbrief.cards/cards/icici-emeralde

### 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 Emeralde and ICICI Bank Sapphiro?

As of 27 October 2026, ICICI Emeralde: ₹12,000 + GST, waived at ₹10,00,000 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 Emeralde or ICICI Bank Sapphiro?

As of 27 October 2026, ICICI Emeralde charges a 2% markup against 3.5% on ICICI Bank Sapphiro: on ₹1,00,000 spent abroad that is ₹2,360 against ₹4,130, GST included.

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

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


## Other cards side by side

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

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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-emeralde-vs-icici-sapphiro