Amex Membership Rewards Card vs ICICI Sapphiro
Detailed comparison of these two popular credit cards
Amex Membership Rewards Card
American Express
Mid-RangeVS
Winner
ICICI Sapphiro
ICICI Bank
PremiumAnnual Fee
₹5K vs ₹4K
Effective Rate
(cash value)
0.7% vs 0.5%
Lounge Access
None vs 4/quarter
Detailed Comparison
| Feature | Amex Membership Rewards Card | ICICI Sapphiro |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹1K | ₹7K |
| Annual Fee | ₹5K | ₹4K |
| Fee Waiver | None | Spend ₹6L annually |
| Forex Markup | - | 3.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.7% | 0.5% |
Lounge Access | ||
| Domestic Lounges | None | 4/quarter |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹6.0L | ₹18.0L |
Amex Membership Rewards Card is Best For
Regular spenders making 4+ transactions/month
Watch Out
- • Fuel excluded from Jun 2025
Our Verdict
Based on overall features and value,
ICICI Sapphiro wins!
Score: 21vsScore: 24
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