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Credit Cards · India

Emirates Skywards ICICI Bank Sapphiro Credit Card

Updated 5 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.

ICICI Bank logo
Emirates Skywards ICICI Bank Sapphiro Credit Card
Visa logo
  • Joining Fee₹5,000
  • Annual Fee₹5,000
  • Best Suited ForTravel
  • Reward TypeSkywards Miles (miles)
Rewards Rate
  • Base rate 0.97%
Welcome Benefits
  • 5,000 Skywards Miles
  • Emirates Skywards Silver Tier Membership
Data verified 5 Jul 2026 — see our methodology
ICICI Bank logoICICIVisa logopremiumCo-brand · Emirates Skywards
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Rewards and Benefits

Rewards Rate
Base 0.97% 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

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 1.0% = ₹146/mo
  • Groceries₹8,000 · 1.0% = ₹78/mo
  • Dining & food delivery₹8,000 · 1.0% = ₹78/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 1.0% = ₹98/mo
  • Utilities & bills₹5,000 · 0.0% = ₹0/mo
Est.net rewards for this spend, realistic
₹-203/yr

₹4,797 rewards − ₹5,000 annual fee. Estimate for the spend you entered.

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.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Welcome benefit

  • 5,000 Skywards Miles
    Joining fee paid
  • Emirates Skywards Silver Tier Membership
    Card 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

Last verified 5 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.

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