Emirates Skywards ICICI Bank Sapphiro Credit Card
ICICI Bank
Emirates Skywards ICICI Bank Sapphiro Credit Card
ICICI Bank
Annual Fee
₹5,000
Effective Rate
1.00%
Network
VISA
Point Value
₹1.00/pt
About Emirates Skywards ICICI Bank Sapphiro Credit Card
2 Skywards miles/₹100 on all spends. Premium tier between Rubyx and Emeralde. Lounge access. Income ₹1.5L/month.
Best For
Pros & Cons
thumb_upPros
- check_circleDomestic & International Lounge
- check_circleZero forex markup on international transactions
- check_circleEmirates Skywards Miles
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹5,000 with no waiver option
- cancelHigh annual income requirement (₹15 lakh+)
Reward Earning Structure
Each point is worth ₹1.00 — an effective return of 1.00% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 6% | 600 pts≈ ₹600 |
| All other spends | 3% | 300 pts≈ ₹300 |
| All other spends | 2% | 200 pts≈ ₹200 |
Miles can be transferred to partner airlines and hotel loyalty programs. Transfer ratios vary by partner — check the ICICI Bank website for current transfer partners and ratios.
Card Benefits
Domestic & International Lounge
6 complimentary domestic + 2 international lounge visits per year
~₹12,000/yr value
Emirates Skywards Miles
Earn Skywards Miles on every spend; bonus miles on Emirates flights
~₹10,000/yr value
Travel Insurance
Overseas travel insurance cover up to USD 500,000
~₹5,000/yr value
Emirates Partner Hotel Benefits
Preferred rates at Emirates partner hotels worldwide
~₹6,000/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹1 (ANNUAL)
Anniversary Renewal Benefit – 5,000 Skywards Miles: Earn 5,000 Emirates Skywards Miles as an annual renewal benefit on each card anniversary. Miles worth approximately ₹10,000.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the ICICI Bank website.
| Annual Fee | ₹5,000 |
| Forex Markup | 0% (Zero Markup) |
| Min. Income Required | ₹18,00,000 per year |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: ₹18,00,000
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Emirates Skywards ICICI Bank Sapphiro Credit Card.
Ready to apply for Emirates Skywards ICICI Bank Sapphiro Credit Card?
Apply directly on the ICICI Bank website. Most decisions within 7–10 working days.
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