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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
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?
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.
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 |
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.
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.
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:
Application Process:
Offline process:
Application Process:
**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.
Scenario:
Aditi, a frequent traveller and online shopper, owns an ICICI Bank Sapphiro Credit Card. Over a year, she has used her card for:
Groceries & Dining: ₹5,000 per month
Fuel & Utility Bills: ₹4,000 per month
Online Shopping & Travel: ₹6,000 per month
Total Monthly Spend: ₹15,000
Since ICICI Bank Rewards offers Payback Points on different spending categories, Aditi has accumulated around 20,000 Payback Points since her card anniversary. She decides to redeem them for:
Flight Ticket: She books a domestic flight worth ₹4,000 using her points.
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.
How This Helps Aditi:
She saves ₹7,000 on her annual expenses by redeeming points.
She gets value back just for using her card for regular spending.
She enjoys lifestyle benefits without extra costs.
This makes the 20,000 Payback Points a valuable reward system that enhances savings and adds convenience for regular spenders.
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.
|
Airport Lounge Access | 2 complimentary access per year at Airport Lounges
|
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
|
Airport access | 4 complimentary domestic airport lounge visits per quarter, courtesy of Mastercard and American Express.
|
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.
|
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. |
*T&C Apply
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.
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 |
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.
There are several ways you can check your statement and balance.
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.
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 | ||
