ICICI Bank Sapphiro Credit Card Review 2026: Fees, Rewards & Lounge...
Explore the ICICI Sapphiro Credit Card features: 16 domestic lounge visits, golf rounds, and ₹9,000+ welcome vouchers. Check eligibility and fees for 2026.
The ICICI Sapphiro is a solid premium card for those who can hit the ₹6 lakh annual spend target to waive the fee. Its welcome benefits effectively offset the joining fee, making it a great entry into the luxury segment.
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The Bottom Line
The ICICI Bank Sapphiro Credit Card is the ICICI Sapphiro is a solid premium card for those who can hit the ₹6 lakh annual spend target to waive the fee. Its welcome benefits effectively offset the joining fee, making it a great entry into the luxury segment. With a ₹3,500 annual fee that is waived on ₹6,00,000 yearly spend, it offers 0% rewards on international spends and a welcome benefit worth ₹9,000. For anyone researching icici bank sapphiro credit card, the verdict is simple: recommended.
It earns a base reward rate of 0.25% and stacks best when your spending lines up with Frequent Traveler, Golf Enthusiast. The renewal fee gets easier to justify once you can hit ₹6,00,000 in yearly spend.
Who Should Get This Card
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Best fit for
IdealOffers both domestic and international lounge access along with travel-specific welcome vouchers.
Provides up to 48 complimentary golf rounds a year, a rare feature in this segment.
Probably not for
SkipThe annual fee waiver and lounge access both require high spending thresholds.
Is It Worth It For You?
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Reward Rates
ICICI Bank Sapphiro Credit Card offers 0.25% basic reward rate.
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Welcome Offer
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Milestone Benefits
For every ₹1 lakh spend after the first ₹4 lakh, up to 20,000 points per year.
Fees & Charges
Eligibility
- Min Income: ₹9 Lakhs
- Min Credit Score: 750
- Minimum monthly salary of ₹75,000 for salaried individuals. Self-employed individuals require an annual income of ₹9,00,000. Usually issued as a dual-card set.
Exclusions & Terms
Fuel
- Fuel surcharge waiver applies instead
Rent
- Standard bank policy exclusion
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Frequently Asked Questions
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