ICICI Sapphiro Credit Card: Fees, Rewards & Benefits
Utilities card with lounge access
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The ICICI Sapphiro is a strong premium travel card with 16 domestic plus 2 international lounge visits, generous golf, milestone points up to 20,000 a year and a Rs 3 crore air cover. Its low Rs 0.25 point value and 3.5% forex markup mean the value comes mostly from lounges and lifestyle perks rather than raw points.
Utilities card with lounge access
The Bottom Line
The Sapphiro is built for premium frequent flyer and high milestone spender. With a ₹3,500 annual fee that is waived on ₹6,00,000 yearly spend, it offers 1% rewards on international and a welcome benefit worth ₹13,000. It makes the most sense if your spending matches premium frequent flyer and high milestone spender.
It earns a base reward rate of 0.5% and stacks best when your spending lines up with Premium Frequent Flyer, High Milestone Spender. The renewal fee gets easier to justify once you can hit ₹6,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealTravellers who value 16 domestic and 2 international lounge visits, golf and concierge, and can spend Rs 6 lakh to waive the Rs 3,500 fee
Big spenders who can earn up to 20,000 milestone points a year on top of base earning
Probably not for
SkipThose paying mostly utilities or insurance, which earn only 1 point per Rs 100
Reward-focused users, since the Rs 0.25 point value keeps the effective base return near 0.5%
Is It Worth It For You?
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Reward Rates
Sapphiro offers 0.5% basic reward rate.
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Welcome Offer
Welcome vouchers worth over Rs.13,000 within 45 days of joining-fee payment: Tata CLiQ Rs.3,000, EaseMyTrip Rs.4,000 (4 x Rs.1,000), Da Milano Rs.5,000, Croma Rs.1,500 (3 x Rs.500), plus a 3-month EazyDiner Prime membership (~Rs.1,095) and, per some sources, a complimentary 12-month Zomato Pro membership. No minimum spend is stated to unlock the welcome vouchers themselves (only card issuance + fee payment).
Milestone Benefits
4,000 bonus Reward Points on annual spends of Rs.4,00,000.
Additional 2,000 Reward Points for every incremental Rs.1,00,000 spent beyond Rs.4,00,000, up to a maximum of 20,000 Reward Points in an anniversary year.
Annual/renewal fee (Rs.3,500 + GST) is waived on spends of Rs.6,00,000 or more in the preceding year.
Fees & Charges
Eligibility
- Min Income: ₹9 Lakhs
- Min Credit Score: 750
- Age 21-65; min monthly income Rs 75,000 salaried (₹9L p.a.) or Rs 9L p.a. self-employed; available on Visa Signature/Mastercard; annual fee waived on Rs 6L+ spend.
Exclusions & Terms
Forex markup
- Foreign currency markup
Cash Advances
- Cash withdrawals do not earn reward points and attract a separate cash-advance finance charge (~3.75%/month).
EMI Conversion
- Spends converted to EMI at point of sale or post-purchase are generally excluded from reward point earning, per standard ICICI Bank card terms.
Frequently Asked Questions
3 data-backed answers from our card database
Ready to apply?
₹3,500 annual fee. Apply on the ICICI Bank website.
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