ICICI Bank Sapphiro Credit Card
Updated 5 Jul 2026Source-linked
The ICICI Bank Sapphiro Credit Card is a premium credit card from ICICI Bank, with a joining fee of ₹3,500 + GST.
It earns up to 12× (≈4.8% value) on ishop hotels spends in the form of payback points (points).
Cardholders get 4 quarterly domestic + 2 annual international airport lounge access, plus welcome vouchers: tata cliq ₹3,000 + easemytrip ₹4,000 (4×₹1,000) + croma ₹1,500 (3×₹500) + eazydiner 3-month prime membership as a welcome benefit.
ICICI Bank Sapphiro Credit Card
- Joining Fee₹6,500
- Annual Fee₹3,500
- Best Suited ForLifestyle & travel
- Reward TypePAYBACK Points (points)
Rewards Rate
- 4 pts per ₹100 on international spend
- 12× on ishop hotels (cap 15000 points / monthly)
- 6× on ishop flights (cap 15000 points / monthly)
- Base 0.40% on other spends
Welcome Benefits
- Welcome vouchers: Tata CLiQ ₹3,000 + EaseMyTrip ₹4,000 (4×₹1,000) + Croma ₹1,500 (3×₹500) + EazyDiner 3-month Prime membership
Data verified 5 Jul 2026 — see our methodology
ICICIinfinitepremiumRewards and Benefits
Rewards Rate
4 pts per ₹100 on international spend
12× on ishop hotels (cap 15000 points / monthly)
6× on ishop flights (cap 15000 points / monthly)
Base 0.40% on other spends.
Reward Redemption
Redeem at ₹0.25 per unit.
Welcome Benefits
Welcome vouchers: Tata CLiQ ₹3,000 + EaseMyTrip ₹4,000 (4×₹1,000) + Croma ₹1,500 (3×₹500) + EazyDiner 3-month Prime membership
Milestone Rewards
- ₹4,00,000 / annual: 4,000 Reward Points; +2,000 RP per additional ₹1 lakh, up to 20,000 RP per anniversary year
Domestic Lounge Access
4 visits each quarterly on making spends of ₹75,000 in the previous quarterly.
International Lounge Access
2 visits each annual.
Travel
N/A
Movie & Dining
BOGO on BookMyShow
Golf
4 round(s) / monthly.
Insurance Benefits
- air accident: ₹1,00,00,000
- personal accident: ₹2,00,000
Other Benefits
N/A
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 · 0.4% = ₹60/mo
- Groceries₹8,000 · 0.4% = ₹32/mo
- Dining & food delivery₹8,000 · 0.4% = ₹32/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.4% = ₹40/mo
Travel & hotels — earns base; accelerated rate needs booking via ishop
- Utilities & bills₹5,000 · 0.4% = ₹20/mo
Est.net rewards for this spend, realistic
₹2,208/yr₹2,208 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Spend-Based Waiver
₹6,00,000 in the preceding year
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
- premium card issued by ICICI Bank.
- Joining / annual fee of ₹3,500 + GST, waived on annual spends of ₹6,00,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (4/quarterly) + international (2/annual).
- Insurance cover bundled: air accident, personal accident.
Pros & Cons
Pros
- Annual fee waivable on ₹6,00,000 spend.
- Complimentary international airport lounge access.
- 24/7 concierge service.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Accelerated earn worth ≈4.8% on ishop hotels.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
₹8,500 welcome benefit
- Welcome vouchers: Tata CLiQ ₹3,000 + EaseMyTrip ₹4,000 (4×₹1,000) + Croma ₹1,500 (3×₹500) + EazyDiner 3-month Prime membershipJoining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 4 pts per ₹100 on international spend
- 12× on ishop hotels (cap 15000 points / monthly)Up to 12X reward points on HOTEL bookings via ICICI iShop (booked via iShop only). Shares the 15,000 RP/calendar-month iShop cap (ICICI capping PDF, WEF 1-Oct-2025) with iShop flights; iShop also gives 6X on bus + shopping vouchers (not modelled).
- 6× on ishop flights (cap 15000 points / monthly)Up to 6X reward points on FLIGHT bookings via ICICI iShop (booked via iShop only). Shares the 15,000 RP/calendar-month iShop cap with iShop hotels.
Capping rules
- Utility and insurance spends earn 1 Reward Point per ₹100
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- emi
Milestone benefits
- ₹4,00,000 / annual: 4,000 Reward Points; +2,000 RP per additional ₹1 lakh, up to 20,000 RP per anniversary year
Airport lounge access
Domestic
4 visit(s) / quarterly. Via dreamfolks.
Unlocks after ₹75,000 / quarterly spend.
w.e.f. Jan 01, 2025 complimentary domestic lounge access requires Rs 75,000 spend in the preceding calendar quarter (MITC §8; Sapphiro not on the exemption list).
International
2 visit(s) / annual. Via dreamfolks.
Insurance benefits
- air accident: ₹1,00,00,000
- personal accident: ₹2,00,000RuPay variant
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000.
Sources
- : www.icici.bank.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 750+
- Income (salaried)
- ₹9,00,000 p.a.
- Income (self-employed)
- ₹9,00,000 p.a.