What is the annual fee for ICICI Bank Sapphiro Credit Card?

The annual fee for ICICI Bank Sapphiro Credit Card is ₹3,500. The fee is waived on annual spend above ₹6,00,000.

What is the joining fee for ICICI Bank Sapphiro Credit Card?

The one-time joining fee for ICICI Bank Sapphiro Credit Card is ₹6,500.

What are the rewards and benefits of ICICI Bank Sapphiro Credit Card?

ICICI Bank Sapphiro Credit Card earns points rewards. Reward rate ranges from 1% to 4%. You earn 4 points per ₹100 spent.

What lounge access benefits does ICICI Bank Sapphiro Credit Card provide?

ICICI Bank Sapphiro Credit Card provides 4 domestic lounge visits per quarter and 2 international lounge visits per year.

What is the eligibility criteria for ICICI Bank Sapphiro Credit Card?

To be eligible for ICICI Bank Sapphiro Credit Card, you need a minimum monthly income of ₹75,000.

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ICICI Bank

ICICI Bank Sapphiro Credit Card

Name: ICICI Bank Sapphiro Credit Card
Brand: ICICI Bank
Price: 3500 INR
Availability: InStock

The ICICI Bank Sapphiro Credit Card is a premium lifestyle card that positions itself between mid-range and ultra-premium.

Premium

CardCheck ScoreVery Good

Top Category Performance

RuPay UPI Scan & Pay (88/100)

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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Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.

CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

Very GoodScore / 100

Reward Power

31/35

Fee Value & ROI

18/25

Lounge & Perks

18/20

Forex & Access

8/20

Category Strengths Breakdown

Ranked by strongest spend category

RuPay UPI Payments

88/100

Online Shopping

84/100

Travel & Lounge

82/100

Cashback Spends

75/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

ICICI Bank Sapphiro Credit Card 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

ICICI Bank Sapphiro Credit Card Rewards

How you earn back on every swipe

points

Reward type

1% – 4%

Earn rate

Points / ₹100

₹0.25

Per point

36 months

Point expiry

ICICI Bank Sapphiro Credit Card 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 period48 days

Interest rate (APR)40.8% – 45%

Late payment fee (max)₹1,300

Cash advance fee2.5% (min ₹500)

Over-limit fee2.5%

Forex markup3.5%

Fuel surcharge waiverYes (₹400–₹4000)

ICICI Bank Sapphiro Credit Card 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

Fee Waiver Spend Simulator

Simulate your spend to check waiver eligibility

Waiver Target: ₹6,00,000/yr

Your Estimated Monthly Spend:₹50,000/mo

Presets:

Annual Fee 100% Waived₹6,00,000 / ₹6,00,000

🎉 Annual renewal fee 100% waived! At ₹50,000/mo (₹6,00,000/yr), your ₹3,500 fee drops to ₹0.

Gross Rewards+₹24,000

Effective Fee₹0 (Waived)

Net Profit/Yr+₹24,000

Tips & reviews

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

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ICICI Bank Sapphiro Credit Card 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.