ICICI Emeralde Private Metal vs ICICI Sapphiro
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
ICICI Sapphiro wins 5-4. Mid-premium with strong dining + travel mix. ICICI Emeralde Private Metal is still the right call if high-net-worth families wanting universal 6 icici points/₹100..
Side-by-side
| Criterion | ICICI Emeralde Private Metal | ICICI Sapphiro |
|---|---|---|
| Annual fee | · ₹12,499 | ₹3,500 |
| Joining fee | · ₹12,499 | ₹6,500 |
| Top reward rate | 6% (general) | · 1% (general) |
| Base reward rate | 6% | · 1% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = Taj Epicure / EazyDiner Prime / Times Prime annual membership | = 10,000 reward points worth ₹2,500 |
| Fee waiver threshold | · ₹1,500,000 / yr | ₹600,000 / yr |
| Min income | · ₹5,000,000 | ₹1,000,000 |
| Min credit score | · 800 | 780 |
| Editorial rating | 4.8/5 | · 4.3/5 |
Benefits compared
ICICI Emeralde Private Metal
- Unlimited domestic + international lounge access for self & guest
- 6 reward points per ₹100 across all categories
- Taj Epicure annual membership included
- 24x7 concierge + Golf privileges
- 2% forex markup
ICICI Sapphiro
- 4 PAYBACK points per ₹100
- 2 complimentary international + 4 domestic lounge visits/year
- 15% off at 800+ restaurants (Culinary Treats)
- 25% off BookMyShow tickets
- Comprehensive travel insurance
FAQ
›ICICI Emeralde Private Metal vs ICICI Sapphiro: which is better?
ICICI Sapphiro wins on more dimensions (5 vs 4). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use ICICI Emeralde Private Metal for its best categories, ICICI Sapphiro for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
ICICI Emeralde Private Metal: Taj Epicure / EazyDiner Prime / Times Prime annual membership. ICICI Sapphiro: 10,000 reward points worth ₹2,500.