Rubyx American Express vs Sapphiro – Full comparison
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At ₹50k/month spend:
- Rubyx American Express: ~₹250/month at base rate
- Sapphiro: ~₹250/month at base rate
Approximate, based on base rates (before caps).
| Rubyx American Express ICICI | Sapphiro ICICI | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 2/quarter vs 4/quarter | 2/quarter | 4/quarter |
| International lounge visits Only available for Sapphiro | Varies by variant | 2/year |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Annual fee ₹2,000 vs ₹3,500 | ₹2,000 | ₹3,500 |
| Joining fee ₹3,000 vs ₹6,500 | ₹3,000 | ₹6,500 |
| Fee waiver spend ₹3,00,000 vs ₹6,00,000 | ₹3,00,000 | ₹6,00,000 |
| Rewards | ||
| Points per ₹100 | 2 pts | 2 pts |
| Point cash value | ₹0.25 | ₹0.25 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.