Premium
ICICI Sapphiro
ICICI 7.1
CardTrail Score
Very Good
out of 10
Annual Fee
₹6,500
Spend ₹6L/year
Forex Markup
1.5%
Reward Rate
1%
Up to 2%
Lounge Access
Unlimited
domestic | 6 intl
About This Card
ICICI Sapphiro stands out with its low 1.5% forex markup — one of the lowest among Indian premium cards. Unlimited domestic lounges and 6 international visits round out the travel package. The weak spot is ICICI's Payback reward ecosystem, which lags behind HDFC's SmartBuy.
Pros & Cons
Pros
- 1.5% forex — excellent for international use
- Unlimited domestic lounge access
- Solid international lounge allocation
- 2X on dining and travel categories
Cons
- Payback points are hard to redeem well
- ₹6,500 fee, ₹6L waiver threshold
- Reward rate lower than HDFC equivalents
- ICICI's reward ecosystem is weaker
Fee Details
Annual Fee
₹6,500
Joining Fee
₹6,500
Fee Waiver Condition
Spend ₹6L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
1%
Max Rate
2%
Currency
Payback Points
Welcome Bonus
5,000 Payback Points
Lounge Access
Domestic Lounges
Unlimited
International Lounges
6
per year
Key Highlights
- + 1.5% forex markup — among the lowest
- + Unlimited domestic lounges
- + 6 international lounges/year
- + 2X on dining and travel
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Quick Summary
Best For
travel forex
Annual Fee ₹6,500
Base Reward 1%
Max Reward 2%
Forex Markup 1.5%
Network Visa Infinite
Min Income ₹10L+
CardTrail Score
Best For
travel forex premium
