Emirates Skywards ICICI Bank Sapphiro Credit Card
Elevate your travel experience to new heights.
Annual Fee
₹5,000
Base Rewards
0.8%
Forex Fee
3.5%
Expert Verdict
The Emirates Skywards ICICI Bank Sapphiro is a powerhouse for loyal Emirates flyers, offering a blend of elite status and high mile earning potential. While the fee is steep, the Silver Tier benefits and airport lounge/spa perks provide significant value for international jet-setters.
Quick Match
Is this card right for you?
This card could work well for you
Your Estimated Value
Year 1
+₹3,250
Includes ₹3,750 bonus
Year 2+
₹500
Why get this card
Complimentary Emirates Skywards Silver Tier membership for the first year
Accelerated Skywards Miles on Emirates bookings and international spends
Complimentary international and domestic lounge access
Complimentary spa sessions and golf rounds every year
+1 more benefits
- Buy 1 Get 1 offer on movie tickets via BookMyShow
Watch out for
High annual fee with no standard spend-based waiver
Rewards are highly specific to the Emirates ecosystem
Silver Tier membership is only for the first year (renewal requires flight activity)
+1 more considerations
- High interest rates on revolving credit
Who is this card for?
Best for
frequent traveler
Ideal for those who frequently fly with Emirates and want to maximize miles and airport luxury benefits.
Min: ₹1,00,000/mo
international spender
Benefits those with significant international spends due to higher mile accrual rates.
Min: ₹50,000/mo
Skip if you're
low spender
The high annual fee is hard to justify for users with low monthly spends or local travel only.
general shopper
Users looking for cashback or general reward points that can be used for shopping/vouchers.
Base Earning
1 Skywards Miles
per ₹100 spent
0.8%
effective rate
Point value: ₹0.75/point
Bonus Categories
Emirates - TRAVEL
2×
1.5% return
INTERNATIONAL
2×
1.5% return
Welcome Offer
Complimentary Emirates Skywards Silver Tier membership for the first year.
5,000
points
₹3,750
value
Milestones
Spend ₹5.0L
Earn 2,500 bonus Skywards Miles on reaching annual spend of ₹5 Lakhs.
Spend ₹10.0L
Earn an additional 2,500 bonus Skywards Miles (total 5,000) on reaching annual spend of ₹10 Lakhs.
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