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Last updated: 01-06-2026
ICICI Bank Sapphiro Credit Card
ICICI Bank

ICICI Bank Sapphiro Credit Card

"ICICI's all-rounder premium card โ€” 4X rewards on international spends, domestic and international lounge access, golf, movies and dining benefits"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น6,500 + GST
๐Ÿ”„ Renewal Fee
โ‚น3,500 + GST
Waived: Annual membership fee waived on spending โ‚น6 lakh or more in the anniversary year
๐ŸŽฏ Best Suited For
Frequent travellers spending โ‚น75,000+ per quarter who want rewards across travel, dining, golf and movies; those wanting premium benefits without paying above โ‚น5,000 annual fee
๐ŸŽ Reward Type
ICICI Reward Points (1 RP = โ‚น0.25; redeemable for merchandise, vouchers, travel via ICICI rewards portal)
๐ŸŽ‰ Welcome Benefit
Vouchers worth over โ‚น13,000 from EaseMyTrip, Tata CLiQ, EazyDiner, Da Milano and Tata Croma โ€” credited within 45 days of paying joining fee
๐Ÿ’ฐ Reward Rate
4 RPs per โ‚น100 on international spends; 2 RPs per โ‚น100 on domestic retail; 1 RP per โ‚น100 on utility and insurance; milestone: 4,000 RPs on โ‚น4L annual spend; 2,000 RPs for each additional โ‚น1L; maximum 20,000 milestone RPs per year
โœˆ๏ธ Lounge Access
4 complimentary domestic lounge visits per quarter on spending โ‚น75,000 in previous quarter; 2 complimentary international lounge visits per year via Priority Pass (primary cardholder only); complimentary Priority Pass membership
๐Ÿ’ฑ Forex Markup
3.5% on international transactions
โญ Rate this Card
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โœ… Pros
  • Welcome vouchers โ‚น13,000+ nearly offset the โ‚น6,500 joining fee
  • 4X rewards on international spends
  • 4 domestic lounge visits per quarter on achievable โ‚น75K quarterly spend
  • Buy 1 Get 1 movies via BookMyShow (2 times per month)
  • 48 free golf rounds on โ‚น6L annual spend
  • Annual fee waiver on โ‚น6L spend
โŒ Cons
  • High forex markup 3.5% despite being a travel card
  • Domestic lounge requires โ‚น75,000 quarterly spend
  • Movie benefit requires โ‚น25,000 quarterly spend
  • Base domestic reward rate 0.5% is low
  • 1 RP = โ‚น0.25 is average redemption value
  • Joining fee โ‚น6,500 vs renewal โ‚น3,500 creates confusing fee gap

๐ŸŽ Rewards & Benefits

Reward Type
ICICI Reward Points (1 RP = โ‚น0.25; redeemable for merchandise, vouchers, travel via ICICI rewards portal)
Welcome Benefits
Vouchers worth over โ‚น13,000 from EaseMyTrip, Tata CLiQ, EazyDiner, Da Milano and Tata Croma โ€” credited within 45 days of paying joining fee
Reward Rate
4 RPs per โ‚น100 on international spends; 2 RPs per โ‚น100 on domestic retail; 1 RP per โ‚น100 on utility and insurance; milestone: 4,000 RPs on โ‚น4L annual spend; 2,000 RPs for each additional โ‚น1L; maximum 20,000 milestone RPs per year
Reward Redemption
ICICI rewards portal or iMobile app: merchandise, health and beauty, travel, vouchers; 1 RP = โ‚น0.25; airline partner transfers at 4:1 ratio
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations on transactions โ‚น400 to โ‚น4,000
Lounge Access
4 complimentary domestic lounge visits per quarter on spending โ‚น75,000 in previous quarter; 2 complimentary international lounge visits per year via Priority Pass (primary cardholder only); complimentary Priority Pass membership
Spend Based Fee Waiver
Annual fee waived on โ‚น6 lakh annual spend
Milestone Benefits
4,000 RPs on โ‚น4L annual spend; 2,000 RPs per additional โ‚น1L (max 20,000 RPs/year); annual fee waiver on โ‚น6L spend; 48 complimentary golf rounds on โ‚น6L spend (up to 4 rounds per month)
Other Benefits
Buy 1 Get 1 on movie tickets via BookMyShow (up to โ‚น500 off on 2nd ticket) โ€” 2 times per month on spending โ‚น25,000 in previous quarter; 15% off at 2,500+ restaurants via ICICI Culinary Treats; 24x7 concierge; air accident insurance โ‚น3 crore; golf rounds and lessons on โ‚น6L spend

โœจ Special Perks & Exclusive Offers

Memberships
Priority Pass (complimentary membership)
Insurance Cover
Air accident insurance โ‚น3 crore; zero card liability on loss reporting
Add-on Cards
Add-on cards available; lounge for add-on requires separate โ‚น25,000 quarterly spend
Concierge Services
24x7 concierge assistance
Special Offers
BookMyShow Buy 1 Get 1 (on โ‚น25K quarterly spend); EazyDiner dining; golf access on โ‚น6L annual spend

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น6,500 + GST
Annual Fee / Renewal Fee
โ‚น3,500 + GST
โœ“ Waived on: Annual membership fee waived on spending โ‚น6 lakh or more in the anniversary year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.4% per month (40.8% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
As per ICICI Bank prevailing slab
Over Limit Charges
As per ICICI Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
3.5% on international transactions
Other Charges
Domestic lounge requires โ‚น75,000 quarterly spend; movie benefit requires โ‚น25,000 quarterly spend; verify current Sapphiro lounge terms on ICICI website as July 2026 spend conditions apply to some co-branded cards but not Sapphiro

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 23 to 60 years; minimum monthly income โ‚น75,000 (salaried) or โ‚น9 lakh annual (self-employed); Indian resident; strong credit history
Credit Score Requirement
750+ CIBIL recommended
Credit Limit
Based on income and ICICI Bank credit assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Easy EMI on transactions above โ‚น5,000; tenures 3 to 24 months
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per ICICI Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via ICICI iMobile app or customer care
Instant Fraud Alerts
SMS and email alerts for every transaction
Purchase Protection
Zero card liability on timely reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability on unauthorized transactions after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1800 200 3344 (24x7 toll-free)
Chat / Email Support
Chat via ICICI iMobile app and website
Mobile App
ICICI iMobile: manage card, track RPs, pay bills, EMI
Online Banking
Full management via ICICI Bank NetBanking and iMobile

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:30 PM
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