ICICI Bank Sapphiro Credit Card
Experience the luxury of the Gem Collection with dual card benefits.
Annual Fee
₹3,500
Base Rewards
0.5%
Forex Fee
3.5%
Expert Verdict
The ICICI Sapphiro is a solid premium lifestyle card, primarily attractive for its massive welcome vouchers and movie benefits. While the reward rate is mediocre, the dual-card setup and golf perks provide unique value for high-income individuals.
Quick Match
Is this card right for you?
This card could work well for you
Your Estimated Value
Year 1
+₹9,000
Includes ₹9,500 bonus
Year 2+
₹500
Fee waiver eligible!
Why get this card
High-value welcome vouchers worth ₹9,000+ that exceed the joining fee
Dual card advantage (Amex + Mastercard/Visa) providing wider acceptance and network-specific offers
Excellent movie benefits with Buy 1 Get 1 up to ₹500 twice a month on BookMyShow
Complimentary golf rounds and spa sessions enhance the premium lifestyle experience
Watch out for
High spend requirement of ₹75,000 in the previous quarter for domestic lounge access
Low base reward rate of 0.5% (2 points per ₹100) compared to other premium cards
High joining fee of ₹6,500 might be a barrier for moderate spenders
Who is this card for?
Best for
lifestyle spender
Users who frequently watch movies, dine out, and want premium welcome benefits.
Min: ₹50,000/mo
golf enthusiast
Individuals who can spend ₹50,000 monthly to unlock complimentary golf rounds.
Min: ₹50,000/mo
Skip if you're
low spender
Those who cannot meet the ₹75,000 quarterly spend for lounge access or ₹6 Lakh annual spend for fee waiver.
Base Earning
2 ICICI Bank Rewards
per ₹100 spent
0.5%
effective rate
Point value: ₹0.25/point
Bonus Categories
TRAVEL
2×
1% return
iShop - SHOPPING
6×
3% return
Welcome Offer
Vouchers include: Tata CliQ (₹3,000), EaseMyTrip (₹4,000), Uber (₹1,000), and Croma (₹1,500). Vouchers are sent within 45 days of joining fee payment.
₹9,500
value
within 45 days
Milestones
Spend ₹1.0L
Earn 2,000 reward points for every ₹1 Lakh spent after the initial ₹4 Lakhs (Max 20,000 points/year).
Spend ₹4.0L
Earn 4,000 reward points on reaching ₹4 Lakhs annual spend.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
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Upgrade Path
Move up or down within this bank