ICICI Bank
World · Sapphiro
ICICI Bank Sapphiro Credit Card
ICICI Bank
Premium travel rewards with golf privileges and global lounge access
Annual Fee
₹3,500
Joining Fee
₹3,500
Reward Rate
1.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹30,870
Total Annual Benefits
₹35,000
Total Annual Charges
₹4,130
ROI
747%
Fee Waiver Available
Annual fee waived on spending ₹5 Lakh in the preceding year — ₹5,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Airport Lounge Access (2)
Domestic Lounge Access
8 complimentary domestic airport lounge visits per year
- • At participating airport lounges via Dreamfolks
8 visits/year
₹16,000/yr
International Lounge Access
2 complimentary international airport lounge visits per year
- • Via Mastercard Airport Experiences
2 visits/year
₹6,000/yr
Golf Privileges (1)
Complimentary Golf Rounds
2 complimentary golf rounds per quarter at select courses
- • At select golf courses in India
- • Advance booking required
2 rounds/quarter
₹40,000/yr
Reward Points (2)
Reward Points on Domestic Spends
Earn 4 reward points per ₹100 on domestic transactions
- • Excludes fuel, cash advances, EMI
4 RP per ₹100
Reward Points on International Spends
Earn 8 reward points per ₹100 on international transactions
- • Doubled earn rate for international transactions
8 RP per ₹100
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
- • Valid on transactions ₹400–₹5,000
- • Max ₹300 per statement cycle
1% waiver
₹3,600/yr
Reward Program
Program
ICICI Reward Points
4 RP per ₹100 domestic, 8 RP per ₹100 international
Effective cashback: 1.00%
Points expire: 3 years from date of accrual
Redemption Options
- → Products & Vouchers from ICICI Rewards Catalogue
- → Air miles conversion
- → Statement credit
- → Hotel and flight bookings
Bonus Categories
International
8x multiplier
8 RP per ₹100 on international spends
Domestic
4x multiplier
4 RP per ₹100 on domestic spends
Milestone Bonuses
2,000 bonus reward points on spending ₹4 Lakh annually
Spend ₹4,00,000 annually
2,000 Reward Points
Additional 2,000 bonus reward points on spending ₹8 Lakh annually
Spend ₹8,00,000 annually
2,000 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹3,500 Plus GST |
| Annual Fee | ₹3,500 Plus GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.53%
- Late Payment Fee
- ₹1,200
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹200
- Other Bank Withdrawal
- ₹200
- Intl. Withdrawal Fee
- 3.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹300/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹75,000
- Min. Annual Income
- ₹12,00,000
- Min. Credit Score
- 750
- Age Range
- 21 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹75,000
- • Self-Employed: ITR > ₹12 Lakh p.a.
- • Age 21–60 (salaried), 21–65 (self-employed)
Insurance Coverage
Accidental Death
₹50.0 L
Permanent Disability
₹50.0 L
Lost Card Liability
₹5.0 L
Report within 24h
- • Personal accident insurance: ₹50 Lakh
- • Credit liability cover: ₹5 Lakh
Airport Lounge Access
Domestic
8 visits/year
Up to 8 per year
~₹2,000/visit
International
2 visits/year
2 per year
~₹3,000/visit
Dreamfolks Mastercard Airport Experiences
- • Domestic: 8 complimentary visits per year at participating lounges
- • International: 2 complimentary visits per year via Mastercard
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹5,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Global acceptance on Mastercard network Add-on cards available EMI conversion facility ICICI Culinary Treats dining offers Concierge services Movie ticket offers on BookMyShow Golf privileges at select courses
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 ICICI Bank Sapphiro Credit Card is a premium World-tier card offering 4 reward points per ₹100 on domestic spends and 8 reward points per ₹100 on ...
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