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LoansJagat Team
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18 Feb 2025
ICICI Bank Sapphiro Credit Card 2025 – Premium Features, Benefits & More
Meet Arjun, a frequent traveller who loves dining out and shopping. He uses the ICICI Bank Sapphiro Credit Card to maximise his spending, unlocking exclusive rewards and benefits.
How Arjun Benefits
- Earns 32,400 Reward Points annually by spending on shopping, dining, travel, and utilities.
- Redeems points for ₹6,500 worth of flights, ₹3,500 in shopping vouchers, and ₹1,500 in fuel savings.
- Enjoys 8 free domestic & 2 international lounge visits, saving ₹10,000+ in fees.
- Gets ₹12,000 in annual movie ticket discounts.
Total Savings & Perks: ₹33,000+ per year!
With premium travel perks, entertainment discounts, and high reward rates, the ICICI Bank Sapphiro Credit Card is perfect for those who love to spend smartly. Ready to maximise your savings?
What is an ICICI Bank Sapphiro Credit Card?
ICICI Bank is one of India's leading private sector banks, offering various financial products, including credit cards tailored to diverse customer needs. The ICICI Bank Sapphiro Credit Card is a premium card for affluent individuals seeking luxury, lifestyle, and exclusive travel benefits.
It gives cardholders unique privileges, including complimentary airport lounge access, luxury shopping discounts, and comprehensive travel insurance. With attractive reward programs and extensive partner tie-ups, the Sapphiro Credit Card ensures a world-class experience for its users.
Key Features and Benefits of ICICI Bank Sapphiro Credit Card
Feature | Description |
Welcome Benefits | Complimentary ₹9,000 worth of travel and shopping vouchers upon card activation.
EaseMyTrip Vouchers worth₹ 4000 (Four vouchers worth₹ 1000 each) Uber Vouchers worth₹ 1000 (Four vouchers worth₹ 250 each) Croma Voucher worth₹ 1500. |
Payback points | Get up to 20,000 Payback Points from ICICI Bank Rewards every anniversary year. **Now you might be thinking how this helps you. Let us clarify that for you, The 20,000 Payback Points from ICICI Bank Rewards every anniversary year can be highly beneficial, as these points can be redeemed for various rewards such as shopping vouchers, travel bookings, fuel, or even cashback.
Fuel & Utility Bills: ₹4,000 per month Online Shopping & Travel: ₹6,000 per month Total Monthly Spend: ₹15,000
Shopping Voucher: She redeems a ₹2,000 Amazon or Flipkart voucher to buy household essentials. Fuel Redemption: She offsets ₹1,000 worth of fuel expenses using points.
She gets value back just for using her card for regular spending. She enjoys lifestyle benefits without extra costs.
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Reward Points | Reward Points (RPs) per ₹100 spent
4 RP on International Spends 1 RP on Utilities & Insurance
₹50,000 on an international trip → Earns 2,000 RPs (4 RP per ₹100) ₹10,000 on utility bills & insurance → Earns 100 RPs (1 RP per ₹100)
₹6,000 worth of flight tickets for a holiday. ₹2,000 in shopping vouchers for online purchases.
Earns rewards on everyday expenses. Maximizes international spending benefits.
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Airport Lounge Access | 2 complimentary access per year at Airport Lounges
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Movie Ticket Offers | Buy one ticket and get up to ₹500 off on the second ticket on BookMyShow, twice a month. |
Dining Privileges | Minimum 15% savings on dining bills at over 2,500+ restaurants across India through Culinary Treats Programme |
Fuel Surcharge Waiver | 1% fuel surcharge waiver on all fuel transactions of up to ₹ 4,000 at any fuel outlet across India. Here is how it works with an example:
Surcharge (1% of ₹3,000): ₹30 Total Amount Paid: ₹3,030
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Airport access | 4 complimentary domestic airport lounge visits per quarter, courtesy of Mastercard and American Express.
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Travel Insurance | You are entitled to air accident insurance of ₹3,00,000,00 and Card Liability Cover (Lost Card Liability, |
Entertainment benefits | Enjoy up to 4 complimentary rounds of golf every month at the golf course of your choice based on eligible spends on your card.
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Forex Markup | You can use the ICICI Sapphiro Credit Card internationally but will receive a 3.50% foreign transaction fee for each transaction. Ensure you update ICICI Bank about your travel plans by calling customer care before your travel so that the bank does not deny your transactions as fraudulent. |
The ICICI Bank Sapphiro Credit Card offers a comprehensive suite of benefits, making it an excellent choice for frequent travellers, shoppers, and everyday spenders. Users can enjoy significant savings and premium lifestyle privileges with welcome vouchers worth ₹9,000, reward points on every transaction, fuel surcharge waivers, and complimentary airport lounge access.
Additionally, entertainment perks, dining discounts, travel insurance, and golf privileges enhance the experience. However, international users should be mindful of the 3.50% forex markup fee and notify the bank before travelling. By leveraging these features strategically, cardholders can maximise savings and elevate their financial convenience.
Eligibility Criteria for ICICI Bank Sapphiro Credit Card
To enjoy the exclusive benefits of the ICICI Bank Sapphiro Credit Card, applicants must meet specific eligibility criteria and provide the necessary documentation. This premium credit card is designed for financially responsible individuals with a strong credit profile and a stable financial background.
Below are the key requirements for eligibility and the documents needed to apply.
- Are available for customers maintaining a Deposits and Investment Value* (DIV) of a minimum ₹50,00,00.
- Indian residents between 23 and 60 years of age.
- Good credit score (750+ preferred).
Required Documents to Apply
- Identity Proof: Voter ID, Aadhar Card, PAN card, Driver's License, Passport, and so forth (anyone).
- Income proof includes a salary slip or bank statement (for salaried employees) and the most recent ITR (for self-employed individuals).
- Address evidence (anyone): Aadhar Card, Utility bills, Passport, etc.
How to Apply for ICICI Bank Sapphiro Credit Card
Applying for the Sapphiro Credit Card is simple and can be done through the ICICI Bank website or by visiting a branch. Here is how:
Online process:
Application Process:
- Visit the ICICI Bank website and navigate to the credit card section or click here to get direct access.
- Select “Apply Now” under Sapphiro Credit Card or if you use the direct link, then click on “Get Sapphiro Card.”
- Fill in the required personal and financial details.
- Upload necessary documents (PAN card, Aadhaar, income proof, address proof).
- Apply and wait for approval.
Approval Time:
- Online applications are processed within 5-7 working days.
Offline process:
Application Process:
- Visit your nearest ICICI Bank branch using the store locator.
- Request a credit card application form and fill in the required details.
- Submit the form along with the necessary documents (PAN card, Aadhaar, income proof, and address proof).
- A bank representative will verify your details and process the application.
Approval Time:
- Branch applications take around 10-15 working days for processing and approval.
Online vs. Offline Application: Benefits Comparison
Method | Benefits |
Online | Quick & convenient, can apply anytime, faster approval (5-7 days) |
Offline | Personalized assistance and in-person document verification are better for complex queries |
Both methods provide a seamless way to apply, so you can choose the one that suits your preference.
Fees Details for ICICI Bank Sapphiro Credit Card
Fee Type | Amount |
Joining Fee | ₹6,500 + GST |
Annual Fee | ₹3,500 + GST (waived if annual spending exceeds ₹6,00,000.) |
Interest Rate | 3.40% per month (40.80% annually) |
Late Payment Fee | Nil for amount due less than ₹100 ₹100 for amount between ₹100 and ₹500 ₹500 for the total amount due greater than ₹501 and up to ₹10,000 ₹750 for total amount due greater than ₹10,000 |
How to Maximise ICICI Bank Sapphiro Credit Card Benefits
The ICICI Bank Sapphiro Credit Card offers a range of exclusive perks, from travel benefits to high reward earnings. To make the most of it, follow these smart strategies and unlock savings on every spend.
- Utilise Welcome Benefits: Activate the card and use it for transactions worth ₹1,000 within 30 days to unlock ₹9,000 worth of vouchers.
- Book Travel Wisely: Use complimentary airport lounge access and low forex markup for international trips.
- Maximise Reward Points: Prioritise international and dining transactions for higher reward earnings.
- Save on Fuel: Use the card for fuel purchases to avail of the 1% surcharge waiver.
- Annual Fee Waiver: Spend ₹6,00,000 in a year to avoid the ₹3,500 annual fee.
How to Check ICICI Bank Sapphiro Credit Card Statement and Balance?
There are several ways you can check your statement and balance.
- Via iMobile App:
- Open the iMobile Pay app and log in.
- Navigate to “Credit Cards” and select “Sapphiro Credit Card.”
- View statement, due date, and available balance.
- Open the iMobile Pay app and log in.
- Via ICICI Net Banking:
- Log in to ICICI Bank Net Banking.
- Select “Credit Cards” and then click on “View Statement.”
- Download statements in PDF format.
- Log in to ICICI Bank Net Banking.
- Via SMS Banking:
- Send ‘IBALCC’ to 5676766 from your registered mobile number.
- Receive an instant balance update via SMS.
- Send ‘IBALCC’ to 5676766 from your registered mobile number.
Conclusion
The ICICI Bank Sapphiro Credit Card is an excellent choice for individuals who travel frequently and enjoy luxury lifestyle perks. With substantial reward earnings, travel benefits, and exclusive discounts, this card stands out as one of the best premium credit cards in India.
By strategically utilizing its features, cardholders can maximise savings and elevate their financial experience.
FAQs Related to ICICI Bank Sapphiro Credit Card
1. What minimum income is required for the ICICI Bank Sapphiro Credit Card?
The applicant must have a minimum annual income of ₹12,000,00.
2. How many airport lounge visits are free per year?
Cardholders get 4 complimentary domestic and 2 international lounge visits annually.
3. Can I get a fee waiver on this card?
Yes, the annual fee of ₹3,500 is waived if the cardholder spends ₹6,00,000 in a year.
4. How can I redeem my reward points?
Points can be redeemed via the ICICI Bank Rewards Portal for travel, shopping, or statement credit.
Other Credit Cards | ||
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LoansJagat Team
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