Emirates Skywards ICICI Bank Sapphiro Credit Card
Updated 3 Jul 2026Source-linked
The Emirates Skywards ICICI Bank Sapphiro Credit Card is a premium co-branded credit card from ICICI Bank and Emirates Skywards, with a joining fee of ₹5,000 + GST.
Cardholders get 2 quarterly domestic + 2 annual international airport lounge access, plus 5,000 skywards miles as a welcome benefit.
Emirates Skywards ICICI Bank Sapphiro Credit Card
- Joining Fee₹5,000
- Annual Fee₹5,000
- Best Suited ForTravel
- Reward TypeSkywards Miles (miles)
Rewards Rate
- Base rate 0.30%
Welcome Benefits
- 5,000 Skywards Miles
- Emirates Skywards Silver Tier Membership
ICICIpremiumCo-brand · Emirates SkywardsRewards and Benefits
Rewards Rate
Base 0.30% on other spends.
Reward Redemption
Emirates Skywards: Redeem at — per unit.
Welcome Benefits
5,000 Skywards Miles
Milestone Rewards
N/A
Domestic Lounge Access
2 visits each quarterly on making spends of ₹75,000 in the previous quarterly.
International Lounge Access
2 visits each annual.
Travel
Co-branded with Emirates Skywards; travel-forward rewards.
Movie & Dining
BOGO on BookMyShow
Golf
N/A
Insurance Benefits
N/A
Other Benefits
- Annual renewal miles — Bonus 5,000 Skywards Miles as annual benefit, subject to ₹5 lakh spends in the previous year and payment of the annual fee; Silver Tier retained with ₹5 lakh annual spend
- Emirates flight discount — Up to 10% discount on Emirates flight bookings via Emirates.com using promo code INICI26
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- Co-branded premium card by ICICI Bank and Emirates Skywards.
- Joining / annual fee of ₹5,000 + GST.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (2/quarterly) + international (2/annual).
Pros & Cons
Pros
- Complimentary international airport lounge access.
Cons
- High annual fee of ₹5,000.
- No annual-fee waiver option.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
Welcome benefit
- 5,000 Skywards MilesJoining fee paid
- Emirates Skywards Silver Tier MembershipCard issuance
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- cash advance
- emi
- wallet loads
- rent
- government
- utilities
- insurance premiums
- education
Airport lounge access
Domestic
2 visit(s) / quarterly.
Unlocks after ₹75,000 / quarterly spend.
2 domestic lounge visits on a minimum spend of ₹75,000 in the preceding calendar quarter.
International
2 visit(s) / annual. Via priority-pass.
2 complimentary international lounge accesses; Priority Pass membership for the primary Cardholder (DreamFolks for cards issued before Nov 15, 2024). Primary Cardholder only.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000.
Other benefits
- Annual renewal miles. Bonus 5,000 Skywards Miles as annual benefit, subject to ₹5 lakh spends in the previous year and payment of the annual fee; Silver Tier retained with ₹5 lakh annual spend
- Emirates flight discount. Up to 10% discount on Emirates flight bookings via Emirates.com using promo code INICI26
Sources
- : www.icici.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- —
- Credit score
- 750+
- Income (salaried)
- ₹18,00,000 p.a.
- Income (self-employed)
- ₹18,00,000 p.a.
Indian citizen over 21. Salaried minimum monthly income ₹1,50,000; self-employed minimum annual income ₹18,00,000.