Visa, Mastercard 📡 Contactless NFC

ICICI Bank Emirates Skywards Sapphiro Credit Card

Joining Fee₹5,000

Annual Fee₹5,000

Forex Markup 3.5%

Application ModeDirect via Bank Website

⚖️ Card Verdict & Target Persona

Who Should Apply

Frequent international flyers traveling on Emirates seeking elite Silver Tier airport privileges, 4 miles/₹100 on flights, international lounge passes, and BOGO movie tickets.

Who Should Avoid

Users who rarely travel on Emirates or those seeking fee-waiver starter cards.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

5,000 bonus Emirates Skywards Miles + Complimentary Emirates Skywards Silver Tier Membership upon payment of joining fee

Up to 4 Skywards Miles per ₹100

Earn 4 Skywards Miles per ₹100 on Emirates bookings and 2.5 Skywards Miles per ₹100 on international transactions.

Emirates Skywards Silver Tier Status

Complimentary Emirates Skywards Silver Tier status (priority check-in, 25% bonus miles, extra baggage).

Domestic & International Airport Lounge Access

2 complimentary domestic lounge visits per quarter + 2 complimentary international lounge visits per year via Priority Pass.

💰 Reward Structure & Point Valuation

1 Emirates Skywards Miles = ₹1

Standard Base Earning

1.5 Skywards Miles per ₹100 spent on domestic retail transactions (1.5% return; 1 Mile = ~₹1.00 on Emirates flights/upgrades)

Accelerated / Partner Rate

4 Skywards Miles per ₹100 (4.0% return) on direct Emirates ticket bookings; 2.5 Skywards Miles per ₹100 on international spends; Buy 1 Get 1 free on BookMyShow (up to ₹500 off on second ticket, twice a month); Complimentary golf rounds

Points Validity:36 Months

Redemption Fee: ₹0 (Free)

Redemption Modes: Emirates Flight Bookings & Cabin Upgrades via emirates.com, Flydubai and Star/Global Partner Airline Flights

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Jewellery Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits2 complimentary domestic airport lounge visits per calendar quarter (8 visits/year)

🌐

International Lounge Visits2 complimentary international airport lounge visits per calendar year via Priority Pass

⚠️

Spend Criteria: Requires minimum retail spend of ₹75,000 in the preceding calendar quarter

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

Annual renewal fee of ₹5,000 + GST applies with ongoing Skywards Silver Tier renewal and bonus miles

UPI Payments Support✗ Not Supported

UPI not supported on Visa/Mastercard network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹150,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% to 3.85% per month (42.0% to 46.20% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,200

Official Bank Portal Application

Get the ICICI Bank Emirates Skywards Sapphiro Credit Card

Annual Fee: ₹5,000/yr (Waivable)

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Frequently Asked Questions

No, ICICI Bank Emirates Skywards Sapphiro Credit Card has a joining fee of ₹5000 and an annual renewal fee of ₹5000 (plus applicable taxes).