ICICI Bank Rubyx vs ICICI Bank Sapphiro

Rubyx vs Sapphiro (Sept 2026): for the standard ₹32k/month profile ICICI Bank Rubyx wins on score (44/100, ₹1,813 recurring net savings a year) vs Sapphiro 36/100 (−₹2,317). Cheapest to hold: Rubyx (₹2,360 incl. GST). Edit the spend on this page to re-score for yours.

Card	‹›⇄× ICICI BankRubyx	‹›⇄× ICICI BankSapphiro
Overview
Personal score	44/100 BEST	36/100
Recurring net savings	₹1,813/yr BEST	−₹2,317/yr
Effective savings rate	0.6% BEST	-0.7%
Annual fee incl. GST	Waived ₹2,360 BEST	You pay ₹4,130
Usable lounge visits	✈8 dom you can use 2	✈16 dom🌏8 intl you can use 2
Why it fits	✓ Base rate 0.5% on other spends earns you about ₹1,453 a year on…	✓ Base rate 0.5% on other spends earns you about ₹1,453 a year on…
Main drawback	! Not a RuPay card – your UPI QR spends cannot go on it.	! You pay the ₹4,130 annual fee (incl. GST) – waiver needs ₹6,00,000…
How the net figure adds up
+ Reward value on your spend	₹1,453 at ₹0.25/ICICI Reward Points	₹1,453 at ₹0.25/ICICI Reward Points
+ Milestone bonuses you reach	none	none
+ Fuel surcharge waiver	₹360	₹360
+ Lifestyle benefits you asked for	none matched	none matched
+ Renewal bonus (only when the fee is charged)	—	—
− Annual fee incl. 18% GST	₹0 waived at ₹3,00,000 spend BEST	−₹4,130
− Forex markup on international spend	none	none
= Recurring net savings	₹1,813/yr BEST	−₹2,317/yr
÷ Card spend counted	₹3,26,640 UPI-only rupees excluded on non-RuPay cards	₹3,26,640 UPI-only rupees excluded on non-RuPay cards
= Effective savings rate	0.6% BEST	-0.7%
Rewards on your spend
Groceries & quick-commerce (₹72,000/yr)	₹216 0.3%	₹216 0.3%
Dining & food delivery (₹48,000/yr)	₹211 0.4%	₹211 0.4%
Online shopping (₹72,000/yr)	₹360 0.5%	₹360 0.5%
Fuel (₹36,000/yr)	₹0 0.0%	₹0 0.0%
Cabs & commute (₹18,000/yr)	₹54 0.3%	₹54 0.3%
Bills & utilities (₹30,000/yr)	₹150 0.5%	₹150 0.5%
Flights (₹24,000/yr)	₹120 0.5%	₹120 0.5%
Hotels (₹12,000/yr)	₹60 0.5%	₹60 0.5%
Movies & OTT (₹9,600/yr)	₹48 0.5%	₹48 0.5%
Insurance premiums (₹18,000/yr)	₹90 0.5%	₹90 0.5%
Everything else (₹48,000/yr)	₹144 0.3%	₹144 0.3%
Base earn rate	0.5%	0.5%
Accelerated categories	1 rule 4 RP/₹100 on international spend – 1.0%	1 rule 4 RP/₹100 on international spend – 1.0%
Excluded categories	fuel, rent	fuel, rent
Caps hit for your spend	None	None
Milestones	None	None
UPI rewards (RuPay)	Not UPI-enabled	Not UPI-enabled
Fees & first year
Joining fee	₹3,000 + GST	₹6,500 + GST
Fee waiver	On ₹3,00,000 annual spend	On ₹6,00,000 annual spend
Renewal benefit	None	None
Welcome benefit (first year only)	₹5,000 worth of vouchers ≈ ₹4,500	₹9,000 worth of vouchers ≈ ₹8,100
First-year value (separate)	₹2,773 BEST	₹2,243
Travel
Domestic lounge entitlement	2 per quarter	4 per quarter
International lounge entitlement	None	2 per quarter
Lounge condition	₹75,000 per quarter – you qualify	₹75,000 per quarter – you qualify
Forex markup	3.5%	3.5%
Redemption & simplicity
Reward currency	ICICI Reward Points · ₹0.25/unit	ICICI Reward Points · ₹0.25/unit
How to redeem	Details 1 RP = ₹0.25.	Details 1 RP = ₹0.25.
Redemption flexibility	★★★☆☆	★★★☆☆
Simplicity	★★★☆☆	★★★☆☆
Lifestyle
Benefits you asked for	fuel waiver	fuel waiver
All lifestyle perks	fuel waiver, movies, golf, insurance cover	fuel waiver, movies, golf, concierge, insurance cover
Eligibility	Income ₹8L+/yr	Income ₹10L+/yr
Score breakdown
Net savings rate	11/100 × 55% = 6.2	0/100 × 55% = 0.0
Usable lounge access	100/100 × 15% = 15.0	100/100 × 15% = 15.0
Redemption flexibility	60/100 × 10% = 6.0	60/100 × 10% = 6.0
Lifestyle fit	100/100 × 10% = 10.0	100/100 × 10% = 10.0
Simplicity	60/100 × 5% = 3.0	60/100 × 5% = 3.0
Fee safety	85/100 × 5% = 4.3	33/100 × 5% = 1.6
Sources
Official source	ICICI Bank – Rubyx product page	ICICI Bank – Sapphiro product page
Last reviewed	2026-09-12	2026-09-12