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Credit CardsComparisons

Amex Platinum Reserve Credit Card vs ICICI Sapphiro Credit Card

A head-to-head comparison of Amex Platinum Reserve Credit Card and ICICI Sapphiro Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

TravelCard A

Amex Platinum Reserve Credit Card

Domestic Premium Travel

Annual Fee
₹10,000
Reward Rate
1 MR per ₹50 (~0.8-1% via airline/hotel transfers) + Hotel privileges
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TravelCard B

ICICI Sapphiro Credit Card

Mid-Premium Travellers

Annual Fee
₹3,500
Reward Rate
2 RP per ₹100 domestic (0.5% value)
Apply Now Read full review →

Feature comparison

FeatureAmex PlatinumICICI Sapphiro
Annual Fee₹10,000 + GST (First-year & subsequent)₹3,500 + GST; Joining ₹6,500 + GST (Waived on ₹6L annual spend)
Reward Rate1 MR per ₹50 (~0.8-1% via airline/hotel transfers) + Hotel privileges2 RP per ₹100 domestic (0.5% value)
Best ForDomestic Premium TravelMid-Premium Travellers
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAmex PlatinumICICI Sapphiro
Domestic travel
Airport lounge access

Quick verdict

Choose Amex Platinum Reserve Credit Card if:

    Choose ICICI Sapphiro Credit Card if:

    • Lower annual fee (₹3,500 vs ₹10,000)

    Full pros & cons

    Amex Platinum Reserve Credit Card

    What's good
    • Privileged rates and benefits at Taj, SeleQtions, and Vivanta Hotels
    • Complimentary domestic airport lounge access across India
    • Preferred Hotels & Resorts global access
    • Membership Rewards points earning with airline partner transfer options
    Watch out for
    • ₹10,000 + GST annual fee with no spend-based waiver
    • Amex acceptance still limited at smaller offline merchants in India
    • Domestic-focused — fewer international travel benefits than Platinum Charge
    Apply Now

    ICICI Sapphiro Credit Card

    What's good
    • 4 domestic lounge visits per quarter + 2 international visits per year via DreamFolks
    • 4X reward points on international spends (4 RP per ₹100, worth 1% back)
    • Welcome vouchers worth ₹9,500+ (Tata CLiQ, Croma, EaseMyTrip, Uber) and up to 20,000 milestone RPs annually
    Watch out for
    • Domestic lounge access requires ₹75,000 spend in the previous calendar quarter to unlock
    • Low domestic reward rate — 2 RP per ₹100 at ₹0.25/point is just 0.5% back
    • Annual RP cap of 20,000 points (worth ₹5,000) limits heavy spenders
    Apply Now
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