# ICICI Bank Sapphiro vs ICICI Bank Rubyx

ICICI Bank Sapphiro costs ₹3,500 a year and ICICI Bank Rubyx ₹2,000. They differ on airport lounge access.

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

| | ICICI Bank Sapphiro | ICICI Bank Rubyx |
|---|---|---|
| Annual fee | ₹3,500 + GST | ₹2,000 + GST |
| Fee waiver | Waived at ₹6,00,000 spend per card year | Waived at ₹3,00,000 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 | Visa | Visa |
| Everyday spend | 2 RP / ₹100 domestic | 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 quarter · 2 international visits a year | 2 domestic visits a quarter |
| Spend milestones | 1 milestone | 1 milestone |
| Applications | Open | Open |
| Last checked | 27 October 2026 | 27 October 2026 |

## How each one earns

### 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

### ICICI Bank Rubyx

- 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 Rubyx page: https://getbrief.cards/cards/icici-rubyx


## Questions

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

As of 27 October 2026, ICICI Bank Sapphiro: ₹3,500 + GST, waived at ₹6,00,000 spend per card year. ICICI Bank Rubyx: ₹2,000 + GST, waived at ₹3,00,000 spend per card year.

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

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

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

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


## Other cards side by side

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