By: OurMoneyGuide || Last updated on: May 28, 2024

ICICI Bank Sapphiro Credit Card is a premium card from ICICI Bank. Like many of the other cards from ICICI Bank, the card provides some good perks and benefits but rewards on card spending are comparatively low. Perks and benefits include complimentary access to airport lounges both in India and abroad, complimentary golf, movie benefits and 24X7 concierge services.

Pros & Cons of ICICI Bank Sapphiro Credit Card


  • The card card provides some good lifestyle benefits like complimentary access to international & domestic airport lounges, complimentary golf, and BOGO (Buy One Get One Free) offer on movie tickets


  • The reward rate on card spends is low compared to other cards.

Features & Benefits of the ICICI Bank Sapphiro Credit Card

0.50% benefit on all card purchases in India

You earn 2 reward points worth ₹0.50 (50 paise), on every ₹ 100 you spend on all card purchases.

1 reward point = ₹0.25 or 25 paise, and can be redeemed for vouchers, products and more. Reward points expire 3 years from the date of issuance.

Exceptions –
– No reward points are given on fuel purchases, rent payments, e-wallet loads, EMI transactions, balance transfer (BT), personal loan on credit cards (PLCC), cash advance, payments of fees, interest and other charges.
– 0.25% benefit on utilities and insurance spends (1 reward point worth ₹0.25 or 25 paise, on every ₹ 100 you spend).

1% benefit on all international spends

You earn 4 reward points worth ₹1, on every ₹ 100 you spend on all international transactions.

1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.

Upto 0.4% additional rewards (ICICI milestone program)

- 4000 reward points worth ₹1000, at ₹4 lakhs yearly card spend
- Additional 2000 reward points worth ₹500, on each additional ₹1 lakh you spend during the year
- You can earn a maximum of 20,000 reward points per year, under this program.

Hence you can earn the maximum 20,000 reward points worth ₹5000, at ₹12 lakh annual card spend - 0.41% reward

Complimentary lounge access at international airports – 2 times per year

You get free visits to airport lounges outside India, 2 times per year.

This program is brought to you through Dreamfolks. For list of lounges , please click here .

Complimentary domestic airport lounge access – 4 per quarter

This benefit is applicable only if you have spent a minimum of ₹5,000 on your credit card, in the previous quarter.

For details, please click here

Complimentary spa sessions at airports in India – 2 times per year

You get free visits to airport spas in India, 2 times per year.

This program is brought to you through Dreamfolks.. For list of spas, please click here .

Complimentary golf rounds, upto 4 rounds per month

You get 1 complimentary golf round, for every ₹50000 you spend on your card in the previous month.

You can get upto a maximum 4 rounds per month (₹50,000 monthly card spend required for each round of golf).

You can also choose to take a free golf lesson, instead of a free golf round.

This program is brought to you in partnership with Golftripz. To view the updated list of golf courses, please click here.

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹1000 per month

When you buy one ticket, you get upto ₹500 off on the second ticket, through BookMyShow.

This offer can be availed 2 times per month, hence you get movie benefits upto ₹1000 per month.

24X7 concierge services

You get a variety of complimentary concierge services, available 24 hours a day.

Services include restaurant referral and reservation, flower and gift assistance, hotel referral and reservation, flight referral and reservation, car rental and limousine service, booking and delivery of movie tickets, medical concierge privileges, emergency auto assistance across India

Fuel surcharge waiver

You get a 1% fuel surcharge waiver, on all fuel transactions upto ₹4000, at any fuel outlet.

Complimentary insurance benefits

Type of insurance coversCoverage amount
Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing, and Online Fraud Protection)₹50,000
Personal Accident due to Air (Death only)₹30 lakhs
Purchase protection ₹1.40 lakhs
Baggage Insurance₹25,000
Loss of Checked-in Baggage₹84,000
Delay of Checked-in Baggage₹21,000
Loss of Passport and travel-related documents₹35,000
Missing of Connecting International Flight During Transit₹21,000
Plane Hijacking₹75,000
Delay in Flight₹17,500
Medical Expenses for Bodily injury caused by and arising out of Rail/Road accident₹50,000
Credit Shield₹1 lakh

For more details, please click here.

ICICI Bank customer care number

Please click here for all the options to contact the bank

ICICI Bank Sapphiro Credit Card Fees and Charges

Annual fee & annual fee offers

Annual feeAnnual fee offers
1st year joining fee₹6500Welcome offer : You get shopping & travel vouchers worth over ₹9000 , within 30 days of payment of 1st year annual fee.
– Tata CliQ voucher worth ₹ 3,000
– EaseMyTrip vouchers worth ₹ 4000 (Four vouchers worth ₹ 1000 each)
– Uber vouchers worth ₹ 1000 (Four vouchers worth ₹ 250 each)
– Croma voucher worth ₹ 1500
Renewal fee from 2nd year onwards₹3500Renewal offer :
– Annual fee is not charged from the 2nd year onwards, if you spend ₹6 lakhs or more in the previous year.

Important note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – ICICI Bank Credit Card Fees & Charges

Eligibility Criteria

Minimum age21 years or above
Maximum age60 – 65 years
Occupation Salaried or self-employed
Minimum income₹15 lakhs per year
Other criteriaGood credit score preferably over 750, etc.

Application Process

Step-by-step guide

Online application process
The easiest way to apply is to click here – APPLY NOW , you shall be taken to the card application page on the ICICI Bank website. You can also visit official website of the bank and fill out the application form.

Steps –
– Fill out the online application form with basic personal details
– Fill out additional details along with basic documents details
– Verification and opening of card
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Tracking your application statusTo track your credit card application status, please click here – ICICI Bank Credit Card Application Status.

Necessary documents and verification

We are listing below general criteria followed by most card issuing banks, since exact criteria has not been specified for this particular card. The bank may ask for additional documents.

Required documents
– PAN card

– Identity proof : PAN card , driving license, valid passport, voter ID (any one)

– Address proof : electricity bill, phone bill (not more than 2 months old), driving licence, passport, ration card, bank statement, passbook (not older than 3 months), voters ID, flat maintenance bill (not older than 2 months), rent agreement (any one)

– Income proof : latest salary slip/s, income tax returns etc