ICICI Bank Sapphiro Credit Card
Updated on August 25, 2026
🎖️Reward Rate
Base Rewards: 4 Handpicked Points per ₹100 (4 Handpicked Points per ₹100 on international spends)
Overview
ICICI Bank Sapphiro Credit Card by ICICI Bank provides premium value tailored for Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 4 Handpicked Points per ₹100 (4 Handpicked Points per ₹100 on international spends)
- • 2 Handpicked Points per ₹100 (2 Handpicked Points per ₹100 on domestic retail spends)
- • 50% more points per ₹100 (50% extra points earned on American Express variant)
- • Accelerated Rewards: Double reward points on sports and international dining
- • Excluded Categories: Fuel, Utilities and Insurance (1 point per ₹100)
Welcome Benefit
Welcome vouchers worth ₹9,000+ (Tata CLiQ ₹3,000, EaseMyTrip ₹4,000, Croma ₹1,000, Urban Company ₹1,000); Qualification Criteria: Payment of joining fee and card setup within 45 days; Fulfillment Timeline: 45 days post joining fee realization
Milestone Benefit
Spend ₹6 Lakhs (Annual): Annual renewal fee waiver of ₹3,500; Spend ₹4 Lakhs (Annual): 4,000 bonus Reward Points; Annual Fee Waiver: Spend ₹6,00,000 or more in preceding 12 months for renewal fee waiver
Redemption
- • Handpicked Rewards catalog for electronics, flights and vouchers at 1 point = ₹0.25 to ₹0.40
- • Statement cash credit
Benefits
- Domestic Airport Lounge: 16 per year (4 per quarter upon spend criteria) via Dreamfolks / Mastercard
- International Airport Lounge: 2 per year via Dreamfolks / Priority Pass via Dreamfolks Membership
- Fuel Surcharge Waiver: 1% (Max waiver ₹500 per transaction cycle)
- Buy 1 Get 1 Free Movies on BookMyShow: Buy 1 movie ticket and get up to ₹500 off on second ticket twice a month on BookMyShow. (Max 2 free tickets per month, Up to ₹500 per ticket discount) [Partners: BookMyShow]
- Complimentary Golf Rounds: 4 complimentary golf rounds / lessons per month on spending ₹50,000 in preceding month. (Access across 30+ top golf courses in India) [Partners: Golftripz]
Things to Know Before you apply
ICICI Bank Sapphiro Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried min ₹1,50,000/month; Self-employed min ITR ₹18,00,000 p.a.
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹6,500 |
| Annual Fee | ₹3,500 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (min ₹500) |
Fee waiver: Spend ₹6,00,000 or more in preceding 12 months for renewal fee waiver
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
ICICI Bank Sapphiro Credit Card issued by ICICI Bank is one of India's leading credit cards for Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 4 Handpicked Points per ₹100 (4 Handpicked Points per ₹100 on international spends)
- • 2 Handpicked Points per ₹100 (2 Handpicked Points per ₹100 on domestic retail spends)
- • 50% more points per ₹100 (50% extra points earned on American Express variant)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹3500
- • Reward exclusion on fuel purchases and wallet load transactions
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- • Welcome vouchers worth ₹9,000+ (Tata CLiQ ₹3,000, EaseMyTrip ₹4,000, Croma ₹1,000, Urban Company ₹1,000)
- • Qualification Criteria: Payment of joining fee and card setup within 45 days
- • Fulfillment Timeline: 45 days post joining fee realization
- • Welcome e-gift voucher worth ₹5,000 across top luxury brands (Bata/Hush Puppies, Pantaloons, Shoppers Stop, Yatra)
- • Qualification Criteria: Payment of annual joining fee within 30 days
- • Fulfillment Timeline: Sent via SMS/Email within 15 days of fee realization
- • Complimentary annual Swiggy One and Times Prime memberships on ₹75,000 spend in first 90 days.
- • Base Rewards: 4 Handpicked Points per ₹100 (4 Handpicked Points per ₹100 on international spends)
- • 2 Handpicked Points per ₹100 (2 Handpicked Points per ₹100 on domestic retail spends)
- • 50% more points per ₹100 (50% extra points earned on American Express variant)
- • Accelerated Rewards: Double reward points on sports and international dining
- • Excluded Categories: Fuel, Utilities and Insurance (1 point per ₹100)
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 on all standard retail spends)
- • Accelerated Rewards: 5X Reward Points (10 RPs per ₹100) on Dining, Departmental stores and Grocery spends
- • Excluded Categories: Fuel, Wallet loads, Property tax and Govt payments
- • 4 RP/₹200 retail
- • 20 RP/₹200 on Swiggy/Zomato
- • up to 10X via SmartBuy.
- • Base Rewards: 4 Handpicked Points per ₹100 (4 Handpicked Points per ₹100 on international spends)
- • 2 Handpicked Points per ₹100 (2 Handpicked Points per ₹100 on domestic retail spends)
- • 50% more points per ₹100 (50% extra points earned on American Express variant)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 on all standard retail spends)
- • Forex markup rate of 1.99%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • 5X-equivalent reward rate on eligible Swiggy and Zomato online food orders
- • Up to 10X SmartBuy rewards
- • Swiggy One and Times Prime welcome memberships
- • Milestone vouchers
- • Movie and dining benefits
- • Conditional domestic and international lounge access
- • Annual renewal fee of ₹3500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹4999
- • Reward exclusion on fuel purchases and wallet load transactions
- • ₹1,000 joining/renewal membership fee plus applicable taxes unless waived
- • Renewal-fee waiver requires ₹3 lakh eligible annual spend
- • Lounge access is linked to eligible previous-quarter spend
- • Reward redemption value varies by redemption channel