ICICI Bank

ICICI Bank Sapphiro Credit Card

Name: ICICI Bank Sapphiro Credit Card
Brand: ICICI Bank
Rating: 4 (1 reviews)

Reward Points Visa Signature

4.0/5.0CardwiseHQ Review

1st Year Fee: ₹6500(Waived on ₹6 lakh annual spends for the next year)

Primary Reward

4 Reward Points on every ₹100 International Spend

1st Year Fee

₹6500

Fee Waiver

Waived on ₹6 lakh annual spends for the next year

4.0/5

Very Good

Designed for those who love to indulge in travel and lifestyle experiences with premium perks.

Fees & Charges

ICICI Bank Sapphiro Credit Card · Detailed fees & charges

ParticularsDetails

Joining / 1st Year Fee₹ 6,500

Annual / Renewal Fee₹ 3,500

Fee Waiver ConditionWaived on ₹6 lakh annual spends for the next year

Interest Rate (per month)3.75% per month

Late Payment Charges₹100 to ₹1,300 based on amount

Foreign Transaction Fee3.5%

Rewards & Cashback

ICICI Bank Sapphiro Credit Card · Detailed rewards & cashback

ParticularsDetails

Reward TypeReward Points

Primary Reward Rate4 Reward Points on every ₹100 International Spend

Secondary Reward Rate2 Reward Points on every ₹100 Domestic Spend

Welcome / Joining BonusVouchers worth over ₹13,000 from Tata CLiQ, EazyDiner, Da Milano, EaseMyTrip & Tata Croma

Milestone Benefits4,000 reward points on ₹4 lakh spend & 2,000 for every additional ₹1 lakh spend, up to 20,000 RPs in an anniversary year

Features & Benefits

ICICI Bank Sapphiro Credit Card · Detailed features & benefits

ParticularsDetails

Airport Lounge Access✓ Available

Lounge Access Details2 complimentary International lounge access (Priority Pass/DreamFolks) & 4 complimentary Domestic lounge access quarterly (on spending ₹75,000 in previous quarter)

Fuel Surcharge Waiver✓ Available

Fuel Surcharge Details1% waiver on fuel transactions of up to ₹4,000 at all fuel pumps

Insurance Coverage₹3 crore Air Accident Insurance cover & ₹2 lakh Personal Accident Insurance (Rupay Variant)

EMI Conversion Available✓ Available

Contactless Payment✓ Available

Add-on Card Available✓ Available

Eligibility

ICICI Bank Sapphiro Credit Card · Detailed eligibility

ParticularsDetails

Minimum Annual Income₹ 9,00,000

Minimum Age21

Maximum Age65

Card NetworkVisa

Card VariantSignature

Best ForPremium Lifestyle Offers, Travel Enthusiasts, Entertainment, Golf

Pros & Cons

Advantages

Welcome Vouchers worth over ₹13,000 annually from top brands.
Complimentary International & Domestic Airport Lounge access.
Buy One Get One Free offer on BookMyShow tickets (up to ₹500 off).
Complimentary golf rounds every month.
Milestone benefits with up to 20,000 reward points annually.
Air Accident Insurance cover up to ₹3 crore and Personal Accident Insurance.
24/7 Concierge Services and Fuel Surcharge Waiver.

Disadvantages

High joining fee (₹6,500 + GST) and annual fee (₹3,500 + GST).
High foreign transaction fee (3.5%).
Domestic lounge access requires significant quarterly spending (₹75,000).
High interest rate on ATM withdrawals and late payments.

CardwiseHQ Expert Verdict

Our editorial team's comprehensive assessment

4.0/5

Very Good

Overall Editor Rating

Best For: Premium Lifestyle Offers, Travel Enthusiasts, Entertainment, Golf

ICICI Bank Sapphiro Credit Card by ICICI Bank is rated 4.0/5 by our editorial team. Designed for those who love to indulge in travel and lifestyle experiences with premium perks..

About ICICI Bank Sapphiro Credit Card

The ICICI Bank Sapphiro Credit Card is meticulously crafted for individuals who seek to enhance their travel and lifestyle experiences. This premium card offers a comprehensive suite of benefits, including substantial Welcome Vouchers worth over ₹13,000 and rewarding Milestone Benefits, allowing cardholders to earn up to 20,000 reward points annually. Cardholders enjoy exclusive access to both International and Domestic Airport Lounges, complemented by robust Air Accident Insurance of up to ₹3 crore and dedicated 24/7 Concierge Services for a seamless experience. Beyond travel, the card adds value to everyday entertainment with attractive BookMyShow discounts (Buy One Get One Free) and extends its premium offerings to include complimentary golf rounds every month, along with a waiver on fuel surcharges. It also features a tiered reward points system, allowing users to earn more on international and domestic spends, making every transaction more rewarding.

ICICI Bank

ICICI Bank Sapphiro Credit Card

Reward Points Visa Signature

4.0/5.0CardwiseHQ Review

1st Year Fee: ₹6500(Waived on ₹6 lakh annual spends for the next year)

Primary Reward

4 Reward Points on every ₹100 International Spend

1st Year Fee

₹6500

Fee Waiver

Waived on ₹6 lakh annual spends for the next year

4.0/5

Very Good

Designed for those who love to indulge in travel and lifestyle experiences with premium perks.

Fees & Charges

ICICI Bank Sapphiro Credit Card · Detailed fees & charges

ParticularsDetails

Joining / 1st Year Fee₹ 6,500

Annual / Renewal Fee₹ 3,500

Fee Waiver ConditionWaived on ₹6 lakh annual spends for the next year

Interest Rate (per month)3.75% per month

Late Payment Charges₹100 to ₹1,300 based on amount

Foreign Transaction Fee3.5%

Rewards & Cashback

ICICI Bank Sapphiro Credit Card · Detailed rewards & cashback

ParticularsDetails

Reward TypeReward Points

Primary Reward Rate4 Reward Points on every ₹100 International Spend

Secondary Reward Rate2 Reward Points on every ₹100 Domestic Spend

Welcome / Joining BonusVouchers worth over ₹13,000 from Tata CLiQ, EazyDiner, Da Milano, EaseMyTrip & Tata Croma

Milestone Benefits4,000 reward points on ₹4 lakh spend & 2,000 for every additional ₹1 lakh spend, up to 20,000 RPs in an anniversary year

Features & Benefits

ICICI Bank Sapphiro Credit Card · Detailed features & benefits

ParticularsDetails

Airport Lounge Access✓ Available

Lounge Access Details2 complimentary International lounge access (Priority Pass/DreamFolks) & 4 complimentary Domestic lounge access quarterly (on spending ₹75,000 in previous quarter)

Fuel Surcharge Waiver✓ Available

Fuel Surcharge Details1% waiver on fuel transactions of up to ₹4,000 at all fuel pumps

Insurance Coverage₹3 crore Air Accident Insurance cover & ₹2 lakh Personal Accident Insurance (Rupay Variant)

EMI Conversion Available✓ Available

Contactless Payment✓ Available

Add-on Card Available✓ Available

Eligibility

ICICI Bank Sapphiro Credit Card · Detailed eligibility

ParticularsDetails

Minimum Annual Income₹ 9,00,000

Minimum Age21

Maximum Age65

Card NetworkVisa

Card VariantSignature

Best ForPremium Lifestyle Offers, Travel Enthusiasts, Entertainment, Golf

Pros & Cons

Advantages

Welcome Vouchers worth over ₹13,000 annually from top brands.
Complimentary International & Domestic Airport Lounge access.
Buy One Get One Free offer on BookMyShow tickets (up to ₹500 off).
Complimentary golf rounds every month.
Milestone benefits with up to 20,000 reward points annually.
Air Accident Insurance cover up to ₹3 crore and Personal Accident Insurance.
24/7 Concierge Services and Fuel Surcharge Waiver.

Disadvantages

High joining fee (₹6,500 + GST) and annual fee (₹3,500 + GST).
High foreign transaction fee (3.5%).
Domestic lounge access requires significant quarterly spending (₹75,000).
High interest rate on ATM withdrawals and late payments.

CardwiseHQ Expert Verdict

Our editorial team's comprehensive assessment

4.0/5

Very Good

Overall Editor Rating

Best For: Premium Lifestyle Offers, Travel Enthusiasts, Entertainment, Golf

ICICI Bank Sapphiro Credit Card by ICICI Bank is rated 4.0/5 by our editorial team. Designed for those who love to indulge in travel and lifestyle experiences with premium perks..

ICICI Bank Sapphiro Credit Card

Fees & Charges

Rewards & Cashback

Features & Benefits

Eligibility

Pros & Cons

CardwiseHQ Expert Verdict

About ICICI Bank Sapphiro Credit Card

Quick Facts

ICICI Bank Sapphiro Credit Card

Fees & Charges

Rewards & Cashback

Features & Benefits

Eligibility

Pros & Cons

CardwiseHQ Expert Verdict

About ICICI Bank Sapphiro Credit Card

Quick Facts