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ICICI Bank Emeralde Credit Card Apply Now	ICICI Bank Sapphiro Credit Card Apply Now	ICICI Bank Visa Sapphiro Credit Card Apply Now	ICICI Bank Rubyx Credit Card Apply Now
Joining Fee Rs. 1,000 + GST (per month)	Joining Fee Rs. 6,500 + GST	Joining Fee Rs. 6,000 (plus applicable taxes)	Joining Fee Rs. 3,000 + GST
Rewards and Benefits
Welcome Benefits N/A	Welcome Benefits Exclusive travel & shopping gift vouchers worth more than Rs. 9,000 (From Tata CliQ, EaseMyTrip, Uber, Zomato Pro, Croma) with the Visa & Mastercard variants and get an extra cashback of Rs. 750 on spending Rs 20,000 within 60 days of issuance with the AmEx variant.	Welcome Benefits Bose IE2 headphones on realization of the joining fee	Welcome Benefits Travel & Shopping Vouchers Worth Rs. 5,000
Rewards Rate 4 RPs on every Rs. 100 spent on all transactions (except fuel, utilities and insurance categories) and 1 RP on every purchase of Rs. 100 on insurance and utilities.	Rewards Rate On every Rs. 100 spent, get 4 Reward Points per Rs. 100 spent on international purchases & 2 Reward Points on domestic purchases.	Rewards Rate 4 Hand-picked Points per Rs. 100 on international spends, 2 Hand-picked Points per Rs. 100 on domestic spends and 1 Hand-picked Point per Rs. 100 on fuel, utilities and insurance categories.	Rewards Rate 4 Reward Points on every international spend of Rs. 100, 2 Reward Points on domestic spends & 1 Reward Point on every Rs. 100 spent on utilities and insurance categories.
Movie & Dining A discount of up to Rs. 750 on BookMyShow second movie/event ticket onwards (max 4 tickets per month), no cancellation charge on movie ticket cancellation (max benefit of Rs. 12,000 per year), a minimum discount of 15% at partnered restaurants under the ICICI Culinary Treats program.	Movie & Dining Get Rs. 500 off on the second movie or event ticket when you buy one ticket from Book My Show.	Movie & Dining Rs. 500 off second movie ticket onwards on BookMyShow	Movie & Dining 25% discount on movie ticket bookings (min 2 per transaction and max 2 tines in a month) on BookMyShow and INOX (max discount capped at Rs. 150), discount on dining bills with the Culinary Treats Program.
Reward Redemption The earned Reward Points can be redeemed against gifts or cash credit, where 1 Reward Point = Rs. 0.25	Reward Redemption Redeem reward points earned for cash back or gifts at a rate of 1 RP = Re. 0.25.	Reward Redemption Hand-picked Points are redeemable on the Hand-picked Rewards catalog for gadgets, fashion, dining, travel related expenses	Reward Redemption The reward points can be redeemed for gift vouchers or cashback at a rate of 1 Reward Point = Re. 0.25
Travel Complimentary international & domestic lounge visits, no charge (waived up to a max of Rs. 12,000) on cancellation of flight/hotel/movie ticket bookings up to max two cancellations every year	Travel Complimentary Domestic & International Airport Lounge visits and complimentary Spa Sessions at select Domestic airports under the Dreamfolks Membership Programme.	Travel Complimentary domestic lounge access and complimentary Dragon Pass membership.	Travel 2 complimentary railway lounge access per quarter
Golf Complimentary round/lesson of golf each month on a minimum spend of Rs. 50,000 in the previous month (max 4/month)	Golf Complimentary golf rounds/lessons every quarter	Golf Up to 4 complimentary rounds/lessons of golf each month for every Rs. 50,000 spent in the previous month	Golf Up to 2 complimentary golf lessons/rounds each month (1 golf round/lesson for every Rs. 50,000 spent in the previous month)
Domestic Lounge Complimentary unlimited domestic airport lounge access under the MasterCard/American Express/Visa lounge program	Domestic Lounge 2 complimentary domestic lounge visits with the MasterCard & Amex variant each, and 4 complimentary domestic lounge access with the Visa variant.	Domestic Lounge 4 per quarter with Visa Domestic Lounge program	Domestic Lounge 1 complimentary domestic airport lounge access per quarter (MasterCard variant) and two 2 domestic airport lounge access per quarter on the Visa variant
International Lounge Complimentary unlimited international airport lounge access under the Dreamfolks program membership	International Lounge 2 complimentary International Airport Lounge Access every year through the Dreamfolks membership.	International Lounge Complimentary Dragon Pass membership with 2 international lounge access and 2 domestic spa access every year	International Lounge N/A
Insurance Benefits Credit Shield insurance worth Rs. 50,000, an air accidental death cover worth Rs. 3 crore and many other insurance benefits under travel category (as illustrated later in the article)	Insurance Benefits Air accident insurance (worth Rs 3 crores), Credit Shield Cover worth Rs 50,000 and other travel-related Insurance Covers.	Insurance Benefits N/A	Insurance Benefits Complimentary insurance covers against air accidents, plane hijacking, lost baggage, delayed baggage, lost card, lost travel documents, credit shield, etc.
Zero Liability Protection Get a liability protection cover worth Rs. 50,000 against a lost/stolen card applicable from 2 days before reporting the loss and till 7 days after it.	Zero Liability Protection Lost card liability (worth Rs. 50,000) is applicable from 2 days prior to reporting and till 7 days after reporting the loss to the ICICI Bank.	Zero Liability Protection Cardholder shall not be liable for any fraudulent transaction on the card post reporting the loss of card to the bank	Zero Liability Protection Cardmember shall not be liable for any fraudulent transactions done on the card once the loss of card is reported to the bank.
Fees & Charges

Renewal Fee Rs. 1,000 + GST (per month)	Renewal Fee Rs. 3,500 + GST	Renewal Fee Rs. 3,500 (plus applicable taxes)	Renewal Fee Rs. 2,000 + GST
Spend Based Waiver Monthly fee reversed on the expenditure of Rs. 1,00,000 in the previous month, annual fee reversed on an annual spend of Rs. 15,00,000 in the previous anniversary year.	Spend Based Waiver Renewal fee waiver on spending Rs 6 Lakhs annualy.	Spend Based Waiver Renewal fee waived on the expenditure of Rs. 5 lakh in the previous year	Spend Based Waiver Renewal Fee is waived off on spending Rs. 3 lakhs or more in an anniversary year.
Rewards Redemption Fee Rs. 99 + GST on each redemption request	Rewards Redemption Fee Rs. 99 (plus applicable taxes) per redemption request	Rewards Redemption Fee Rs. 99 (plus applicable taxes) per redemption request	Rewards Redemption Fee Rs. 99 (plus applicable taxes) per redemption request
Foreign Currency Markup 1.5% of the total transaction amount	Foreign Currency Markup 3.50% of the total transaction value.	Foreign Currency Markup 3.50% of the transaction amount	Foreign Currency Markup 3.5% of the transaction amount
Interest Rates 3.40% per month (or 40.80% annualized)	Interest Rates 3.4% per month (or 40.8% per annum)	Interest Rates 3.40% per month (or 40.80% annually)	Interest Rates 3.40% per month (or 40.8% annually)
Fuel Surcharge 1% fuel surcharge waived on all fuel purchases at all fuel pumps across the country.	Fuel Surcharge 1% of Fuel Surcharge Waiver (Maximum Rs 250 per billing cycle) at all fuel stations in India.	Fuel Surcharge Fuel surcharge waived off at all filling stations across India	Fuel Surcharge 1% fuel surcharge is waived off for all fuel transactions up to Rs. 4,000 across all fuel stations in India.
Cash Advance Charges Nil	Cash Advance Charges 2.5% of the total transaction amount (minimum Rs. 300)	Cash Advance Charges 2.50% of the advanced amount, subject to a minimum charge of Rs. 300	Cash Advance Charges 2.5% of the amount withdrawn or Rs. 300 (whichever is higher)
Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil

ICICI Bank Emeralde Credit Card

ICICI Bank Sapphiro Credit Card

ICICI Bank Visa Sapphiro Credit Card

ICICI Bank Rubyx Credit Card

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