ICICI

Emirates Skywards ICICI Bank Sapphiro

Airport Lounge Access

Reward Points

Travel

MyBankingTips Rating

Joining Fee: ₹5000* Plus Applicable Taxes

Renewal Fee: ₹5000*Plus Applicable Taxes

Airport Lounge Access

Reward Points

Travel

MyBankingTips Rating

Joining Fee: ₹5000* + Tax

Renewal Fee: ₹5000* + Tax

Airport Lounge Access

2 international lounge visits yearly

Reward Points

Up to 2% rewards on all spends

Travel

2 international lounge visits yearly

Welcome benefits:- Complimentary Emirates Silver Tier Membership & 5,000 Skywards Miles on the payment of joining fee

Check your eligibility For This Card

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About Emirates Skywards ICICI Bank Sapphiro

The Emirates Skywards ICICI Bank Sapphiro Credit Card is the mid-tier variant of the Emirates co-branded cards, with an annual fee of Rs. 5,000. It offers travel and lifestyle benefits for frequent flyers, including earning 2% Skywards Miles on spends. These miles can be redeemed for Emirates flight bookings, upgrades, and other travel rewards.

Cardholders also receive complimentary Silver Tier Membership, though it needs a minimum annual spend of Rs. 5 lakh for renewal, unlike higher-tier variants where it is auto-renewed.

For travel convenience, the card provides 2 domestic lounge visits per quarter and 2 international lounge visits per year, which are activated on quarterly spends of Rs. 75,000. It also gives rewards on utility and insurance spends, covering often-overlooked categories.

This card is suitable for Emirates loyalists who want travel perks without paying the high fees of premium variants. However, spend-based lounge access and Silver Tier renewal conditions may limit its overall benefits.

Emirates Skywards ICICI Bank Sapphiro Rewards Program

Rewards Program – Emirates ICICI Bank Sapphiro Credit Card

Earn 2 Skywards Miles for every Rs. 100 spent on retail transactions.
Earn 1 Skywards Mile for every Rs. 100 spent on insurance and utility payments.
Redeem your accumulated Skywards Miles for award flights, flight upgrades, and more on the Emirates website.

Other Features and Benefits

Joining Benefits

Complimentary Emirates Silver Tier Membership.
5,000 Skywards Miles on payment of the joining fee.

Annual Benefits

Renewal of Silver Tier Membership on spending Rs. 5 Lakh in a year.
5,000 Skywards Miles on spending Rs. 1 Lakh in a year.

Movie Benefit

Buy 1 Get 1 offer on BookMyShow, up to Rs. 500 off on the second ticket, twice a month.

Dining Benefit

Exclusive offers through ICICI Bank Culinary Treats Programme.

Fuel Surcharge Waiver

1% waiver on fuel spends between Rs. 400 and Rs. 4,000 across all fuel stations (up to Rs. 250 per month).

Lounge Access Benefits

2 complimentary domestic lounge visits per quarter.
2 complimentary international lounge visits per year.

Fees and Charges

Fee Type

Amount

Joining Fee

Rs. 5,000

Annual Fee

Rs. 5,000

Finance Charges

3.75% p.m. (45.% p.a.)

Late Payment Charges

For Statement Balance:	Amount
Up to Rs. 100	Nil
Rs. 101 to Rs. 500	Rs. 100
Rs. 501 to Rs. 1,000	Rs. 500
Rs. 1,001 to Rs. 5,000	Rs. 600
Rs. 5,001 to Rs. 10,000	Rs. 750
Rs. 10,001 to Rs. 25,000	Rs. 900
Rs. 25,001 to Rs. 50,000	Rs. 1,100
More than Rs. 50,000	Rs. 1,300

Things to Know Before you apply

Get this card if:

You frequently fly with Emirates and want to earn Skywards Miles on your spends.
You’re okay with redeeming rewards only through Emirates.
You can spend around Rs. 5 Lakh a year to renew your Silver Tier Membership.
You want extra perks like movie and dining benefits along with travel rewards.

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

Document Required For Emirates Skywards ICICI Bank Sapphiro

Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

Emirates Skywards ICICI Bank Sapphiro Hilights

What do we like about this card?

Welcome benefit: 5,000 bonus Skywards Miles
Complimentary Emirates Skywards Silver Tier membership
Earn up to 2 Skywards Miles per Rs. 100 spent
Complimentary domestic and international airport lounge access
Buy 1 Get 1 Free movie tickets via BookMyShow
Discounts on dining bills through the ICICI Culinary Treats Programme
1% fuel surcharge waiver

Pros

Complimentary Emirates Silver Tier Membership
Up to 10,000 Skywards Miles via joining and milestone benefits
Redeem Skywards Miles for flight upgrades and award flights
Discounts on movie ticket bookings via BookMyShow

Cons

No annual fee waiver available
Low reward rate on utility and insurance spends
Lounge access benefits require minimum spending
High forex markup fee of 3.5%

ICICI Bank Credit Card Contact Details

ICICI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.

Helpline Numbers: 1860 120 7777 (India), +91 22 3366 7777 (International), or + 33667777 from your registered mobile.
Simply SMS: Send an SMS to 5676766 from your registered mobile number.

Frequently Asked Questions

Everything you need to know about this credit card

A. Yes, you get Emirates Skywards Silver Tier Membership when you join. To renew from the second year, you need to spend Rs. 5 Lakh in a year.

A. The credit limit is decided by ICICI Bank based on your credit score, income, repayment history, and employment details. The exact limit will be communicated after approval.

A. Yes, you get 2 complimentary domestic lounge visits per quarter and 2 international lounge visits per year. To avail domestic lounges, you need to spend Rs. 75,000 in the preceding quarter.

A. You earn up to 2 Skywards Miles on every Rs. 100 spent on retail purchases and 1 Skywards Mile on insurance and utility payments.

A. Skywards Miles can be redeemed on the Emirates website for award flights, flight upgrades, and other travel-related bookings.

A. Yes, you get a 1% fuel surcharge waiver on fuel spends between Rs. 400–4,000 and exclusive dining discounts via the ICICI Culinary Treats Programme.