Compare Amex Platinum Charge vs Union Bank Nexteria (RuPay Ekaa)Compare AU Tejas vs Union Bank Nexteria (RuPay Ekaa)Compare Axis Airtel vs Union Bank Nexteria (RuPay Ekaa)Compare Axis Flipkart vs Union Bank Nexteria (RuPay Ekaa)Compare Axis Magnus vs Union Bank Nexteria (RuPay Ekaa)Compare Axis Reserve vs Union Bank Nexteria (RuPay Ekaa)Compare Axis Vistara Infinite vs Union Bank Nexteria (RuPay Ekaa)Compare HDFC Infinia Metal vs Union Bank Nexteria (RuPay Ekaa)Compare HDFC Millennia vs Union Bank Nexteria (RuPay Ekaa)Compare HDFC Regalia Gold vs Union Bank Nexteria (RuPay Ekaa)Compare HDFC Swiggy BLCK vs Union Bank Nexteria (RuPay Ekaa)Compare HDFC Swiggy Ornge vs Union Bank Nexteria (RuPay Ekaa)Compare HDFC Tata Neu Infinity vs Union Bank Nexteria (RuPay Ekaa)Compare HSBC Cashback vs Union Bank Nexteria (RuPay Ekaa)Compare HSBC Live+ vs Union Bank Nexteria (RuPay Ekaa)Compare ICICI Emeralde Private Metal vs Union Bank Nexteria (RuPay Ekaa)Compare ICICI Emirates Skywards Emerald vs Union Bank Nexteria (RuPay Ekaa)Compare IDFC First Gaj vs Union Bank Nexteria (RuPay Ekaa)Compare Kotak Myntra vs Union Bank Nexteria (RuPay Ekaa)Compare RBL Insignia vs Union Bank Nexteria (RuPay Ekaa)Compare RBL Zomato vs Union Bank Nexteria (RuPay Ekaa)Compare SBI AURUM vs Union Bank Nexteria (RuPay Ekaa)Compare SBI Card ELITE vs Union Bank Nexteria (RuPay Ekaa)Compare Standard Chartered Ultimate vs Union Bank Nexteria (RuPay Ekaa)Compare HDFC Diners Club Black vs Union Bank Nexteria (RuPay Ekaa)Compare Axis Ace vs Union Bank Nexteria (RuPay Ekaa)Compare ICICI Emeralde vs Union Bank Nexteria (RuPay Ekaa)Compare IndusInd Pinnacle vs Union Bank Nexteria (RuPay Ekaa)Compare AU Zenith Plus vs Union Bank Nexteria (RuPay Ekaa)Compare YES Marquee vs Union Bank Nexteria (RuPay Ekaa)Compare SBI Card Prime vs Union Bank Nexteria (RuPay Ekaa)Compare Axis Atlas vs Union Bank Nexteria (RuPay Ekaa)Compare Amex Platinum Travel vs Union Bank Nexteria (RuPay Ekaa)Compare IDFC Diamond Reserve vs Union Bank Nexteria (RuPay Ekaa)Compare SBM Paisabazaar Paisa+ vs Union Bank Nexteria (RuPay Ekaa)Compare IDFC Mayura vs Union Bank Nexteria (RuPay Ekaa)Compare SBI Card ELITE Advantage vs Union Bank Nexteria (RuPay Ekaa)Compare HDFC Business Regalia vs Union Bank Nexteria (RuPay Ekaa)Compare IndusInd Avios vs Union Bank Nexteria (RuPay Ekaa)Compare IndusInd Legend vs Union Bank Nexteria (RuPay Ekaa)Compare Kotak White Reserve vs Union Bank Nexteria (RuPay Ekaa)Compare Kotak Mojo vs Union Bank Nexteria (RuPay Ekaa)Compare HDFC Tata Neu Plus vs Union Bank Nexteria (RuPay Ekaa)Compare HSBC Premier vs Union Bank Nexteria (RuPay Ekaa)Compare ICICI Emirates Skywards Sapphiro vs Union Bank Nexteria (RuPay Ekaa)Compare Axis Vistara Signature vs Union Bank Nexteria (RuPay Ekaa)Compare HDFC Diners Club Privilege vs Union Bank Nexteria (RuPay Ekaa)Compare HDFC Marriott Bonvoy vs Union Bank Nexteria (RuPay Ekaa)Compare HSBC Travel One vs Union Bank Nexteria (RuPay Ekaa)Compare ICICI MakeMyTrip Signature vs Union Bank Nexteria (RuPay Ekaa)Compare SBI Air India Signature vs Union Bank Nexteria (RuPay Ekaa)Compare Amex Membership Rewards vs Union Bank Nexteria (RuPay Ekaa)Compare HDFC TimesPrime vs Union Bank Nexteria (RuPay Ekaa)Compare SBI BPCL Octane vs Union Bank Nexteria (RuPay Ekaa)Compare YES Reserv vs Union Bank Nexteria (RuPay Ekaa)Compare AU Royale vs Union Bank Nexteria (RuPay Ekaa)Compare YES Premia vs Union Bank Nexteria (RuPay Ekaa)Compare IDFC First Wealth vs Union Bank Nexteria (RuPay Ekaa)Compare AU Laksya vs Union Bank Nexteria (RuPay Ekaa)Compare HDFC Paytm Cashback vs Union Bank Nexteria (RuPay Ekaa)Compare ICICI Amazon Pay vs Union Bank Nexteria (RuPay Ekaa)Compare SBI Cashback Card vs Union Bank Nexteria (RuPay Ekaa)Compare Amex Gold Charge vs Union Bank Nexteria (RuPay Ekaa)Compare Axis Select vs Union Bank Nexteria (RuPay Ekaa)Compare BOB Etihad Guest vs Union Bank Nexteria (RuPay Ekaa)Compare BOB Premier vs Union Bank Nexteria (RuPay Ekaa)Compare ICICI Manchester United Signature vs Union Bank Nexteria (RuPay Ekaa)Compare IDFC First Millennia vs Union Bank Nexteria (RuPay Ekaa)Compare Kotak League Platinum vs Union Bank Nexteria (RuPay Ekaa)Compare Kotak Royale Signature vs Union Bank Nexteria (RuPay Ekaa)Compare RBL Mariner vs Union Bank Nexteria (RuPay Ekaa)Compare SBI IndiGo vs Union Bank Nexteria (RuPay Ekaa)Compare Standard Chartered Priority vs Union Bank Nexteria (RuPay Ekaa)Compare HDFC MoneyBack+ vs Union Bank Nexteria (RuPay Ekaa)Compare ICICI Sapphiro vs Union Bank Nexteria (RuPay Ekaa)Compare Axis SuperMoney vs Union Bank Nexteria (RuPay Ekaa)Compare DBS Bank Visa Platinum vs Union Bank Nexteria (RuPay Ekaa)Compare Federal Signet vs Union Bank Nexteria (RuPay Ekaa)Compare HSBC Taj vs Union Bank Nexteria (RuPay Ekaa)Compare IndusInd EazyDiner vs Union Bank Nexteria (RuPay Ekaa)Compare IndusInd Tiger vs Union Bank Nexteria (RuPay Ekaa)Compare RBL World Safari vs Union Bank Nexteria (RuPay Ekaa)Compare SBI Yatra vs Union Bank Nexteria (RuPay Ekaa)Compare YES Prosperity vs Union Bank Nexteria (RuPay Ekaa)Compare ICICI MakeMyTrip Platinum vs Union Bank Nexteria (RuPay Ekaa)Compare IndusInd Aura vs Union Bank Nexteria (RuPay Ekaa)Compare Standard Chartered Platinum Rewards vs Union Bank Nexteria (RuPay Ekaa)Compare Amex SmartEarn vs Union Bank Nexteria (RuPay Ekaa)Compare Canara Bank Mastercard World vs Union Bank Nexteria (RuPay Ekaa)Compare YES Ace vs Union Bank Nexteria (RuPay Ekaa)Compare AU Nouveau vs Union Bank Nexteria (RuPay Ekaa)Compare SBI SimplyCLICK vs Union Bank Nexteria (RuPay Ekaa)Compare Amex Membership Rewards Credit (MRCC) vs Union Bank Nexteria (RuPay Ekaa)Compare Federal Scapia vs Union Bank Nexteria (RuPay Ekaa)Compare HDFC IRCTC vs Union Bank Nexteria (RuPay Ekaa)Compare RBL Play vs Union Bank Nexteria (RuPay Ekaa)Compare RBL TVS vs Union Bank Nexteria (RuPay Ekaa)Compare SBI IRCTC Platinum vs Union Bank Nexteria (RuPay Ekaa)Compare Kotak Urbane vs Union Bank Nexteria (RuPay Ekaa)
Premium stack8.0
icici / VISA
ICICI Emirates Skywards Sapphiro
Annual
₹5,000
Return
4%
Lounges
12
Forex
2%
Card summary
- ICICI Emirates Skywards Sapphiro leans travel and lifestyle with ₹5,000 annual fee, 4% headline return potential, and 12 lounge access.
Pros
- Strong benefit ceiling if you recover the ₹5,000 annual fee.
- 4% reward rate can outperform flat cashback for loyal users.
- 12 lounge access adds travel utility.
Cons
- Low forex markup matters mainly if you travel internationally.
- Eligibility still depends on bank policy and credit history.
- Travel value depends on actually using lounge and trip perks.
Best for
Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.
Value profile
Best when annual benefits are actively redeemed.
