70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal year; joining costs and taxes excluded.
Route this card to lifestyle and travel spends first, then shift spillover transactions to stronger category alternatives
points-value realization depends on redemption choice and transfer use
Latest change: Marked partially-verified due variant-dependent domestic lounge entitlement representation
For Movies & Golf. 0.5% on international spend. ₹3,500 fee, waiver at ₹6,00,000. Lounge rule: 2 visits / quarter.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Movies & Golf
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
How to use the card well, and what to watch before applying.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
These are objective same-bank step-up options from the current rewards and lounge model.
Annual fee: Free
Annual fee: ₹2000
Annual fee: ₹500
Premium users who want ICICI flagship-level benefits
Invitation-only premium travel and lifestyle users
Fans wanting stronger co-branded perks with mid-tier rewards
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Joining fee ₹6,500
Waived on ₹6L spend
International spend
70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal-year estimate after annual fee; excludes joining costs, taxes and unmodeled exclusions.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
55 domestic • 20 international policy count
Card-level policy notes: • Best value comes from lounge and lifestyle utilization rather than pure rewards • Domestic and international lounge access through partner program • Dreamfolks or network-linked lounge access experience Policy override notes: • Sapphiro carries a broad lounge footprint, but eligibility terms vary by network and issuer updates. • Review current spend trigger for lounge usage and per-period visit caps. • International access may require activation via the issuer program. - Source file: ICICI domestic consolidated lounge list PDF (last updated January 2026). - Annexure 1 lists this variant with 4 complimentary domestic lounge visit(s) per quarter. - Source terms mention authorization hold per lounge swipe (typically INR 2 on Visa/Mastercard/RuPay and INR 1 on AmEx) and guest visits are chargeable unless issuer states otherwise. Verify latest spend criteria and guest access with issuer before travel.
Mapped from issuer lounge dataset + card policy signals
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
This card does not have publishable enrichment records in the current high-confidence snapshot.
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.