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YES Ace vs ICICI Emirates Skywards Sapphiro

Compare YES Ace vs ICICI Emirates Skywards Sapphiro across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

ICICI Emirates Skywards Sapphiro leads on reward rate, while YES Ace has the lowest annual fee.

Card 1

YES Ace

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.3.9

Card 2

ICICI Emirates Skywards Sapphiro

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.8.0
YES Ace - YES credit card
Balanced value3.9

yes / VISA

YES Ace

Annual

₹999

Return

2.5%

Lounges

2

Forex

2.99%

Card summary
  • YES Ace leans reward-led with ₹999 annual fee, 2.5% headline return potential, and 2 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹999 annual fee.
  • 2.5% reward rate can outperform flat cashback for loyal users.
  • 2 lounge access adds travel utility.
Cons
  • 2.99% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
ICICI Emirates Skywards Sapphiro - ICICI credit card
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.

Full card details
Metric
YES Ace
ICICI Emirates Skywards Sapphiro
Fees
Annual fee
₹999
₹5,000
Joining fee
₹999
₹5,000
Rewards
Cashback rate
1%
0.75%
Reward rate
2.5%
4%
Travel
Forex markup
2.99%
2%
Domestic lounges
2
8
International lounges
0
4
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
Yes
Movies
Yes
Yes
Eligibility
Minimum income
₹4,00,000
₹12,00,000

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