ICICI Bank Sapphiro Credit Card
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ICICI Bank

ICICI Bank Sapphiro Credit Card

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Premium

Your rating

Community rating

Best for Premium travel and rewards

Joining Fee

₹6,500

Annual Fee

₹3,500

Reward Rate

1% – 4%

Forex Markup

3.5%

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Key Benefits

4 Reward Points per ₹100 on international spends
2 Reward Points per ₹100 on domestic retail spends
1 Reward Point per ₹100 on utility & insurance spends
Welcome vouchers worth ₹9,000+ on joining fee payment
16 domestic airport lounge visits + 2 international lounge visits yearly
Up to 4 complimentary golf rounds or lessons every month on spend eligibility
Buy 1 Get 1 movie tickets up to ₹500 twice monthly (benefit reportedly being revised/discontinued on some variants)
Up to 20,000 bonus Reward Points yearly via spend milestones
Annual fee waiver on ₹6 lakh annual spends

Rewards

How you earn back on every swipe

points

Reward type

1% – 4%

Earn rate

4

Points / ₹100

₹0.25

Per point

24 months

Point expiry

Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹6,500
Annual fee₹3,500
Fee waiver on annual spend₹6,00,000
Interest-free period50 days
Interest rate (APR)40.8% – 43.2%
Late payment fee (max)₹1,500
Cash advance fee2.5% (min ₹500)
Over-limit fee2.5%
Forex markup3.5%
Fuel surcharge waiverYes (₹400–₹4000)

Travel & Lounge Access

Airport perks included with this card

4 per quarter

Domestic lounge visits

2 per year

International lounge visits

Priority Pass

Included with this card

DreamFolks

Lounge access via DreamFolks

Things to Keep in Mind

  • High joining/annual fee of ₹3,500
  • Lounge visits capped per quarter

Card Features

Metal Card
Contactless
UPI Linked

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Eligibility

Age21+ yrs – 65
Min. income₹75,000/month
CIBIL score750+

Employment type

SalariedSelf employed

Pros & Cons

Pros
  • Strong premium lifestyle and travel credit card
  • Excellent lounge access for the annual fee segment
  • Good golf and entertainment benefits
  • Welcome vouchers provide high first-year value
  • Better rewards on international spending
  • Dual-card Amex + Mastercard/Visa variants improve offers ecosystem
  • Good ICICI travel and dining merchant offers
  • Suitable for frequent travelers and premium lifestyle users
Cons
  • Reward redemption value is relatively low (1 RP = ₹0.25 in many cases)
  • High forex markup despite international reward acceleration
  • Annual fee waiver threshold is relatively high
  • Movie benefits and some perks are being revised recently
  • Best value depends heavily on lounge/golf usage
  • Amex acceptance can still be limited at some merchants
  • Weaker rewards ecosystem compared to Infinia or Amex Platinum Travel
  • Reward exclusions apply on transportation, fuel, EMI & wallet loads

Who is this card for?

Professionals spending ₹50,000–₹1,00,000/month who value lounge access, dining perks, and reward points. A good step-up from mid-range to premium without the ultra-premium price tag.

Quick Links

View on bank website

Data last updated 18 Mar 2026

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