Visa, Mastercard, RuPay 📡 Contactless NFC

ICICI Bank Sapphiro Credit Card

Joining Fee₹6,500

Annual Fee₹3,500

Forex Markup 3.5%

Application ModeDirect via Bank Website

⚖️ Card Verdict & Target Persona

Who Should Apply

Upper-middle-class spenders seeking 16 domestic + 2 international lounge visits, ₹1,000/month BookMyShow savings, golf games, and ₹9,000+ in welcome shopping vouchers.

Who Should Avoid

Users who cannot meet the ₹75,000 quarterly spend threshold for domestic lounge visits.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Welcome voucher bundle worth ₹9,000+ (Tata CLiQ, EaseMyTrip, Croma, Uber) upon payment of joining fee

Welcome Vouchers Worth ₹9,000+

Multi-brand welcome voucher package worth ₹9,000+ from Tata CLiQ, EaseMyTrip, Croma, and Uber.

Domestic & International Airport Lounge Access

4 complimentary domestic airport lounge visits per calendar quarter (16 visits/year on min ₹75k quarterly spend) + 2 international visits per year with DreamFolks DragonPass.

BOGO Movie Tickets up to ₹500

Buy 1 Get 1 free on BookMyShow movie and event tickets (up to ₹500 off on second ticket twice a month, saving ₹1,000/mo).

💰 Reward Structure & Point Valuation

1 ICICI Reward Points = ₹0.25

Standard Base Earning

2 ICICI Reward Points per ₹100 spent on regular domestic retail (0.50% return; 1 RP = ₹0.25); 1 RP per ₹100 on utilities & insurance

Accelerated / Partner Rate

4 ICICI Reward Points per ₹100 (1.0% return) on international spends; Buy 1 Get 1 free on BookMyShow (up to ₹500 off on second ticket twice a month, saving ₹1,000/mo); Up to 4 complimentary golf rounds/month (1 round per ₹50k monthly spend)

Points Validity:36 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: ICICI Rewards Portal (Brand Vouchers & Electronics at 1 RP = ₹0.25), Direct Statement Cash Adjustment (1 RP = ₹0.25)

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Rent Payments Government Transactions Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits4 complimentary domestic airport lounge visits per calendar quarter (16 visits/year)

🌐

International Lounge Visits2 complimentary international airport lounge visits per calendar year via DreamFolks DragonPass

⚠️

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

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹600,000/yr

Annual renewal fee of ₹3,500 + GST is waived off on spending ₹6,00,000 or more in the previous anniversary year

UPI Payments Support✓ Supported (RuPay)

2 ICICI Reward Points per ₹100 on eligible RuPay merchant UPI transactions

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions up to ₹4,000 at HPCL petrol pumps (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 65 Years

Min. Monthly Income₹75,000

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 Sapphiro Credit Card

Annual Fee: ₹3,500/yr (Waivable)

Personalized Card Matcher

Still Confused About Your Best Match?

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Frequently Asked Questions

No, ICICI Bank Sapphiro Credit Card has a joining fee of ₹6500 and an annual renewal fee of ₹3500 (plus applicable taxes).