The ICICI Bank Sapphiro Credit Card is a part of the ICICI Bank’s Gem Collection of cards. This card comes in two variants, Mastercard and Visa. It is ideal for both domestic as well as international travellers. With this card, you get to earn exciting rewards and guaranteed payback points.
Read on to learn all about the ICICI Sapphiro Credit Card, including its features, charges, and more.
A big part of the ICICI Sapphiro Credit Card review revolves around the many benefits and features it comes with. Here is a preview of some of the ICICI Sapphiro Credit Card benefits.
On payment of the membership fee, you will receive welcome vouchers worth over ₹9,000 for shopping and travel that you can avail within 45 days after payment of joining fees. The vouchers include:
Every anniversary year, earn up to 20,000 reward points on your ICICI Bank Sapphiro Credit Card. Moreover, based on the category of your spending, you can collect the following reward points:
Spend Category |
Points per ₹100 |
Domestic (Except fuel) |
2 |
International |
4 |
Insurance and Utilities |
1 |
Additionally, you can earn up to 4,000 points on spending ₹4 Lakhs and after that, 2,000 points every time you cross the ₹1 Lakh mark.
By spending a minimum of ₹5,000 or more on your ICICI Bank Sapphiro Credit Card in a calendar quarter, you will receive 4 complimentary entry passes to select airport lounges in India, 2 each on American Express and Mastercard variants.
With your ICICI Bank Sapphiro Credit Card, you get 2 complimentary lounge visits at international airports and 2 spa visits at domestic airports per year. In addition to that, you also enjoy a complimentary membership of DreamFolks worth USD 99, which offers great deals on shopping, restaurants, and more.
Under this programme, which you get to take advantage of if you use the ICICI Bank Sapphiro Card, you get exclusive dining offers.
You also get up to 4 complimentary golf rounds each month at a golf course of your choosing. The number of rounds depends on the eligible spends made with your card. On every ₹50,000 spent in the previous month, you get one round/lesson of golf, which you can avail anytime within 2 months.
The entertainment offer via BookMyShow includes up to ₹500 discount on the second ticket. You can enjoy this benefit twice a month through the website or mobile application.
The eligibility criteria for the ICICI Sapphiro Credit Card are fairly simple. The documentation required is also very minimal. Get to know these details below.
Occupation: Self-Employed or Salaried
Income criteria: ₹80,000 or above per month for salaried individuals and ₹83,333 or above per month for self-employed individuals
Identity Proof: PAN, Aadhaar card, passport, voter’s ID, driving licence, or any other government-approved photo ID proof
Address Proof: Aadhaar card, passport, driving licence, latest utility bill, voter’s ID, or any other government-approved address proof
Income Proof: Payslips (latest), income tax return, or Form 16
Miscellaneous: A colour photograph
To apply for the ICICI Bank Sapphiro credit card, simply follow these steps:
Step 1: Visit the ICICI Bank website.
Step 2: Click on the ‘Credit Card’ banner and select the ICICI Sapphiro credit card from the drop-down menu.
Step 3: Next, click on the ‘Get Sapphiro Card’ option.
Step 4: Enter your Aadhaar-linked mobile number to register for the card.
Step 5: Fill up the application form with your personal, income, and employment details.
Step 6: Scan and upload all the supporting KYC documents.
The powerful ICICI Bank credit card reward points plan designed by ICICI Bank gives you reward points every time you use the Sapphiro card to pay for eligible transactions. Here is a preview of how this works.
Nature of Transactions |
Rewards on every ₹100 spent |
Domestic transactions (except fuel) |
2 ICICI Bank reward point |
International transactions |
4 ICICI Bank reward point |
It is always advisable to get in touch with the team of ICICI Bank Credit Card Customer Care in case of any queries, doubts or complaints about the ICICI Bank Sapphiro Credit Card. Here is how you can do this.
Call them at 1800 1080
Email the bank at customer.care@icicibank.com
ICICI Bank Limited
ICICI Phone Banking Centre, ICICI Bank Tower, 7th floor, Survey no: 115/27, Plot no. 12, Nanakramguda, Serilingampally,
Hyderabad – 500032
Here are the fees and charges associated with the ICICI Bank Sapphiro Credit Card that you must know about.
Fees and Charges |
Amount |
Joining Fee |
₹6,500 |
Annual Fee |
₹3,500 (waived off if you spend more than ₹6 Lakhs in the last year) |
Finance Charges |
3.40% per month / 40.80% p.a. |
Late Payment Fee |
|
Disclaimer: The above fees and charges are subject to change at the bank’s discretion.
Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.
The ICICI Bank Sapphiro credit card is a wonderful option because you get the yearly fee returned in the form of numerous vouchers. When you pay the annual renewal cost, you also gain bonus points.
The ICICI Bank Sapphiro Card is an excellent low-cost solution for frequent travellers interested in availing of complimentary airport lounge access.
The DreamFolks DragonPass Lounge Access Programme, for example, entitles you to 4 domestic lounge visits every quarter as well as 2 annual domestic airport spa sessions. In addition, the card allows you to visit 2 foreign airport lounges per year.
The ICICI Bank Sapphiro Credit Card has an annual fee of ₹3,500, making it a popular premium option. However, the annual charge is repaid in the form of welcome vouchers of ₹9,000 or more that the card provides.
The Sapphiro credit card from ICICI Bank is a premium-level credit card that is available in 2 network variants: Visa and Mastercard.
The card is ideal for both domestic and international travellers. It comes with a number of benefits, including complimentary Dragon Pass membership, access to visa lounges, golf privileges, and more.
The joining fee is ₹6,500 for the ICICI Bank Sapphiro Credit Card. The annual fee thereafter is ₹3,500, but it is waived if you spend at least ₹6 Lakhs during the previous year.
The DreamFolks Membership Programme is the world’s first all-in-one Digital Airport platform. Members enjoy benefits such as access to over 450 luxurious and comfortable airport lounges spanning 115 countries across the world.
It also offers complimentary domestic and international airport lounge visits, spa sessions and more.
The ICICI Bank Sapphiro Credit Card is best suited for high spenders. Since it is a premium card, the fees are on the higher side.
They are waived off if you spend ₹6 Lakhs during the year. That is why it is best suited for frequent travellers and shoppers who tend to spend significantly using their credit cards.
There is more than one way to pay your ICICI Bank Sapphiro Credit Card bill. You can set up an auto-debit mandate for your ICICI Bank account to pay your card bill every month without delays.
You can also complete the payment via the ICICI iMobile app. If you are using another bank account to pay for the card, you can opt for the NEFT payment route.
Apart from this, you can also choose to pay your bill by cheque or a Demand Draft (DD). You can also deposit the cash amount at your ICICI Bank branch. However, doing so will cost you a little extra as there are add-on charges levied with this payment mode.
You can save roughly ₹2 Lakhs by making the most of all the features and benefits offered by the ICICI Bank Sapphiro Credit Card. This includes lounge access, savings on movie tickets, dining bills, golf rounds, a surcharge on fuel, DreamFolks membership fees, and more.
A monthly interest rate of 3.4% is applicable on ICICI Bank Sapphiro credit cards. This aggregates to an interest rate of 40.8% on an annual basis.
With the ICICI Bank Sapphiro credit card’s premium benefits, you can save up to ₹1.95 Lakhs. The expensive benefits of the card include international airport lounge visits, spa sessions, monthly BookMyShow tickets, spend-based milestone benefits, golf course access, etc.
However, this is the maximum savings you can reap from the premium benefits on the card. Your actual savings will depend on the way you use the credit card.