ICICI Emirates Skywards Sapphiro Credit Card vs Axis Horizon Credit Card: premium cards compared
ICICI Emirates Skywards Sapphiro Credit Card costs ₹5,000 a year to keep; Axis Horizon Credit Card costs ₹3,000. On most spends, ICICI Emirates Skywards Sapphiro Credit Card returns about 1.27% and Axis Horizon Credit Card about 2.00%. Lounge visits: ICICI Emirates Skywards Sapphiro Credit Card gives 2 a year in India and 2 a year abroad; Axis Horizon Credit Card gives 8 a year and 2 a year. The income needed to apply is ₹18,00,000 a year for ICICI Emirates Skywards Sapphiro Credit Card and ₹6,00,000 for Axis Horizon Credit Card.
| ICICI Emirates Skywards Sapphiro Credit Card | Axis Horizon Credit Card | |
|---|---|---|
| Issuer | ICICI Bank | Axis Bank |
| Network | Visa | Visa |
| Joining fee | ₹5,000 | ₹3,000 |
| Annual fee | ₹5,000 | ₹3,000 |
| Base return on spends | 1.27% | 2.00% |
| Domestic lounges | 2 a year | 8 a year |
| International lounges | 2 a year | 2 a year |
| Minimum income | ₹18,00,000 a year | ₹6,00,000 a year |
| Best for | travel | travel, flights |
How to read this
Fees, lounge access and eligibility come from each issuer's own documents. The base return is what most everyday spends earn after converting points to rupees, before category bonuses and caps. Qrates takes no commission from any issuer.
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