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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. 2% on international spend. ₹3,500 fee, waiver at ₹6,00,000. Lounge rule: ₹2 / 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: ₹2000
Annual fee: Free
Annual fee: ₹500
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
Adjust your estimated monthly spend to see the personalized annual value after fees.
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
- 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. 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. Verify latest spend criteria and guest access with issuer before travel.
Mapped from issuer lounge dataset + card policy signals
Earn exclusions, fine-print benefits, and fee rows matter, but they should sit behind an extra click instead of competing with the main overview.
This card does not have publishable enrichment records in the current high-confidence snapshot.
This is the validation layer. Use it after the card already feels like a possible yes.