ICICI Bank
WorldElite · Emirates Sapphiro
Emirates Skywards ICICI Bank Sapphiro Credit Card
ICICI Bank
Premium travel card with 1.5 miles per ₹100
Annual Fee
₹5,000
Joining Fee
₹5,000
Reward Rate
1.2%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹12,100
Total Annual Benefits
₹18,000
Total Annual Charges
₹5,900
ROI
205%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Travel Benefits (1)
Skywards Miles on Spends
Earn 1.5 Skyward miles per ₹100 spent on all domestic transactions
1.5 miles/₹100
Airport Lounge Access (2)
Domestic Lounge Access
4 complimentary domestic airport lounge visits per year
- • 1 visit per quarter
4 visits/year
₹10,000/yr
International Lounge Access
2 complimentary international lounge visits via Priority Pass
- • Via Priority Pass
2 visits/year
₹7,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
- • Valid on transactions ₹400–₹5,000
- • Max ₹500 per statement cycle
1% waiver
₹6,000/yr
Reward Program
Program
Emirates Skywards Miles
1.5 Skyward miles per ₹100
Effective cashback: 1.20%
Points expire: 3 years from date of accrual
Redemption Options
- → Emirates flights
- → Upgrade to Business/First Class
- → Hotel stays
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹5,000 Excluding GST |
| Annual Fee | ₹5,000 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.4%
- Late Payment Fee
- ₹1,200
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹500/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹1,00,000
- Min. Annual Income
- ₹12,00,000
- Min. Credit Score
- 750
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹1 Lakh
- • Self-Employed: ITR > ₹12 Lakh p.a.
Insurance Coverage
Accidental Death
₹1.0 Cr
Permanent Disability
₹1.0 Cr
Travel Insurance
₹50.0 L
Lost Card Liability
₹10.0 L
Report within 24h
Air Accident Cover
₹1.0 Cr
- • Air accident cover: ₹1 Crore
- • Travel insurance: ₹50 Lakh
- • Credit liability cover: ₹10 Lakh
Airport Lounge Access
Domestic
4 visits/year
1 per quarter
~₹2,500/visit
International
2 visits/year
Via Priority Pass
~₹3,500/visit
Dreamfolks Priority Pass
- • Domestic: 1 visit per quarter
- • International: Via Priority Pass
Transaction Limits
ATM Withdrawal / Day
₹50,000
POS & E-Commerce / Day
₹6,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Global acceptance Add-on cards available EMI conversion facility Emirates Skywards membership Priority Pass lounge access Insurance coverage
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The Emirates Skywards ICICI Sapphiro Credit Card is a premium co-branded travel card on the Visa World Elite network. It earns 1.5 Skyward miles per ₹...
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