ICICI Bank Sapphiro Credit Card
ICICI Bank
ICICI Bank Sapphiro Credit Card
ICICI Bank
Annual Fee
₹3,500
Effective Rate
0.50%
Network
RUPAY
Point Value
₹0.50/pt
About ICICI Bank Sapphiro Credit Card
4 RP/₹100. 2 intl + 4 domestic lounges/year. Golf/month on eligible spends. ₹13K+ welcome vouchers. BoGo ₹500 off BMS/INOX 2x/month. Milestone RP up to 20K/year. Air accident ₹3Cr. 24x7 concierge.
Best For
Pros & Cons
thumb_upPros
- check_circle2 Intl + 4 Domestic Lounge/Year
- check_circleGolf Rounds/Month
- check_circleWelcome Vouchers ₹13,000+
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹3,500 with no waiver option
- cancelMinimum income requirement applies
- cancelForeign transaction fee applies on overseas spends
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.50 — an effective return of 0.50% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 4% | 400 pts≈ ₹200 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the ICICI Bank rewards portal. Redemption value may vary by option.
Card Benefits
2 Intl + 4 Domestic Lounge/Year
2 international + 4 domestic airport lounge accesses per year.
Golf Rounds/Month
Complimentary golf rounds every month on eligible spends.
Welcome Vouchers ₹13,000+
Welcome vouchers from TataCLiQ, EazyDiner, Da Milano, EaseMyTrip, Croma worth ₹13,000+.
BoGo ₹500 Off BookMyShow (2x/month)
Buy 1 get up to ₹500 off 2nd ticket at BookMyShow/INOX, twice monthly.
Air Accident Cover – ₹3 Crore
Air accident cover of ₹3 crore.
24x7 Concierge
Round-the-clock concierge.
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹1,00,000 (ANNUAL)
2,000 additional RP per ₹1L beyond ₹4L (max 20,000 RP/year).
Spend ₹4,00,000 (ANNUAL)
4,000 milestone RP on ₹4L annual spend.
Spend ₹6,00,000 (ANNUAL)
Annual fee waived on ₹6L annual spend.
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 | ₹3,500 |
| Forex Markup | As per issuer schedule |
| Min. Income Required | ₹9,00,000 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: ₹9,00,000
- 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 ICICI Bank Sapphiro Credit Card.
Ready to apply for ICICI Bank Sapphiro Credit Card?
Apply directly on the ICICI Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.