The ICICI Sapphiro Credit Card is designed for high spenders who value both rewards and lifestyle perks. It offers accelerated value-back on international transactions, with reward points that can be redeemed across categories such as travel, shopping, wellness, and more. Frequent travellers benefit from complimentary domestic and international lounge access, while movie lovers can enjoy the Buy 1 Get 1 offer on tickets twice a month. The card also provides dining privileges, complimentary golf rounds, and concierge services, making it a well-rounded choice for diverse spending needs. Additionally, cardholders can earn bonus reward points on crossing the annual spend milestone of ₹4 lakh.
ICICI Sapphiro Premium Credit Card Rewards Program
Reward Earnings: With the ICICI Sapphiro Credit Card, you can earn reward points on every spend as follows:
International Spends: 4 reward points per ₹100 spent
Domestic Spends: 2 reward points per ₹100 spent
Utility & Insurance Spends: 1 reward point per ₹100 spent
Redemption Options: Your accumulated reward points can be redeemed across a wide variety of categories, including:
Travel & Hotels
Shopping Vouchers
Lifestyle & Fashion
Health & Beauty
Electronics & Home Appliances
Other Features and Benefits
Welcome Benefit
Shopping and travel vouchers worth ₹9,000 from Uber, EaseMyTrip, Tata CLiQ, and Tata Croma (on joining fee payment).
Airport Lounge Access
International Lounges: 2 complimentary visits per year + free Priority Pass membership.
Domestic Lounges: 4 complimentary visits per quarter (on spending ₹75,000 in the previous quarter).
Milestone Benefits
4,000 reward points on annual spends of ₹4 lakh.
2,000 additional reward points for every extra ₹1 lakh spent thereafter.
Movie Benefits
Buy 1, get 1 free on BookMyShow (up to ₹500 off on the second ticket), twice per month.
Golf Benefits
1 complimentary golf round for every ₹50,000 spent in the previous month (max. 4 per month).
Annual Fee Waiver
Annual fee waived on yearly spends of ₹6 lakh or more.
Dining Benefits
Minimum 15% off at partner restaurants under the Culinary Treats Programme.
Concierge Services
24x7 assistance through a dedicated toll-free number: 1800 267 0731.
Fuel Benefits
1% fuel surcharge waiver at all fuel stations across India (on transactions up to ₹4,000).
Insurance Coverage
Personal Air Accident (Death only): ₹3 crore
Purchase Protection: ₹1.4 lakh
Plane Hijacking & Credit Shield: ₹1 lakh each
Loss of Checked-in Baggage: ₹84,000
Card Liability Cover: ₹50,000
Medical Expenses (Rail/Road Accident Injury): ₹50,000
Loss of Passport/Travel Documents: ₹35,000
Baggage Insurance: ₹25,000
Delay of Checked-in Baggage: ₹21,000
Missing Connecting International Flight: ₹21,000
Flight Delay: ₹17,500
Fees and Charges
Particulars
Amount
Joining Fee
Rs. 6,500 + Applicable Taxes
Annual Fee
Rs. 3,500 + Applicable Taxes
Finance Charges
3.75% per month (or 45% per annum)
Late Payments Fees
On outstanding balance of -
Amount
Less than Rs. 100
Nil
Rs. 100 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 want a rewards credit card that gives accelerated value-back, especially on international spends.
You are a frequent traveler and high spender who can fully leverage milestone benefits like bonus reward points and complimentary lounge access.
You can make the most of lifestyle perks such as shopping vouchers, movie discounts, complimentary golf rounds, and dining offers without overspending.
You are comfortable paying the annual fee of ₹3,500, or you can meet the ₹6 lakh annual spend requirement to get it waived.
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For ICICI Sapphiro Premium Credit Card
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
1 Reward Point per ₹100 on insurance & utility spends.
Milestone Rewards – Earn up to 20,000 bonus Reward Points annually.
Movie Benefits – Enjoy Buy 1 Get 1 Free (BOGO) on BookMyShow.
Lounge Access – Complimentary domestic & international lounge access.
Golf Privileges – Up to 4 complimentary golf sessions per month at premium golf courses worldwide.
Pros
Complimentary access to 16 domestic and 2 international airport lounges every year
Welcome benefits worth ₹9,000, higher than the joining fee of ₹6,500
Opportunity to earn unlimited bonus reward points as milestone benefits, based on annual spends
Up to 48 complimentary golf rounds annually
Savings of up to ₹12,000 per year on movie ticket purchases
Cons
Low base reward rate on regular card spends
Spend-based conditions to avail domestic lounge access and golf benefits
High forex mark-up fee (3.5%), which reduces value despite accelerated rewards on international spends
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
The redeemed items usually take up to 10 working days to be delivered to the cardholder.
Yes, the card is enabled for online purchases and can be used on all domestic e-commerce websites and select international portals.
You can enjoy an annual fee waiver by spending a minimum of Rs. 6 lakh in a year.
You earn 4 Reward Points for every Rs. 100 on international spends, 2 Reward Points per Rs. 100 on domestic spends, and 1 Reward Point per Rs. 100 on insurance and utility bill payments.
You can earn up to 20,000 bonus Reward Points annually under the Milestone Reward Program.
Yes, you get complimentary airport lounge access both domestically and internationally.
Yes, you can avail the Buy 1 Get 1 Free (BOGO) offer on BookMyShow movie tickets.
Yes, cardholders get up to 4 complimentary golf sessions per month at select premium golf courses across the globe.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
ICICI
Airport Lounge Access
Entertainment
Reward Points
