ICICI Sapphiro Premium Credit Card
icici bank ICICI Bank

ICICI Sapphiro Premium Credit Card

cat name Travel
cat name Shopping

Best Suited For: Travel & Shopping

Joining Fee: ₹6,500* Plus Applicable Taxes

Renewal Fee: ₹3,500* Plus Applicable Taxes

cat name Travel
cat name Shopping

Best Suited For: Travel & Shopping

Joining Fee: ₹6,500* Plus Applicable Taxes

Renewal Fee: ₹3,500* Plus Applicable Taxes

Best Features:- Buy one movie ticket and get up to Rs. 500 off on the second ticket, twice every month via BookMyShow.

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The ICICI Bank Sapphiro Credit Card is a premium credit card. It caters to people who are looking for the ultimate in travel, lifestyle, and rewards. This card is available in Visa and Mastercard variants. It has an annual fee of Rs. 6,500. Designed for domestic and international travelers, it provides exceptional benefits including complimentary Dragon Pass membership, Visa lounge access, and golf privileges. For travelers and lifestyle enthusiasts, this card offers a combination of savings, convenience, and luxury.

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All You Need To Know

Card Type

Travel & Shopping

Welcome Benefits
  • Receive shopping and travel vouchers worth Rs. 9,000+ on paying the joining fee of Rs. 3,500.
    • TataCliQ: Rs. 3,000
    • EaseMyTrip: Rs. 4,000 (four Rs. 1,000 vouchers)
    • Uber: Rs. 1,000 (four Rs. 250 vouchers)
    • Croma: Rs. 1,500
  • Vouchers will be issued within 45 days of fee payment and are valid for various lifestyle and travel purchases.
Reward Points
  • Earn PAYBACK Points on all transactions:
    • 2 points per Rs. 100 on domestic spends.
    • 4 points per Rs. 100 on international spends.
    • 1 point per Rs. 100 on utility and insurance payments.
  • Milestone Rewards:
    • 4,000 points on spending Rs. 4 lakh annually.
    • 2,000 points for every additional Rs. 1 lakh spent, up to a maximum of 20,000 points annually.
Travel Privileges
  • Airport Lounge Access:
    • Four complimentary domestic airport lounge visits per quarter (two per card variant).
    • Dreamfolks Membership:
      • Two complimentary international airport lounge visits per year.
      • Two complimentary spa sessions at select airports in India annually.
      • Access to over 450 airport lounges across 115 countries with optional paid visits.
Golf Benefits
  • Enjoy up to four complimentary golf rounds or lessons per month:
    • Earn one complimentary round for every Rs. 50,000 spent in a calendar month.
    • Book through www.teetimes.golftripz.com.
Entertainment Privileges
  • BookMyShow Offer:
    • Buy one movie ticket and get up to Rs. 500 off on the second ticket.
    • Offer valid twice per month, subject to availability.
Dining Privileges
  • Get a minimum of 15% off on dining bills at over 2,500 participating restaurants via ICICI’s Culinary Treats Program.
Additional Features
  • Concierge Services:
    • 24x7 premium concierge assistance for travel bookings, dining reservations, and more.
  • Insurance:
    • Air accident insurance cover of Rs. 3 crore.
    • Lost card liability cover of Rs. 50,000 (includes loss up to 2 days prior and 7 days post-reporting).
  • Fuel Surcharge Waiver:
    • 1% waiver on fuel transactions at any outlet for spends up to Rs. 4,000.
Security & Convenience
  • Chip & PIN Security:
    • Ensures enhanced protection against fraud and duplication.
  • Interest-Free Period:
    • Enjoy 18–48 days of interest-free credit on bill payments.
  • Mobile and Internet Banking:
    • Manage your account and transactions seamlessly through ICICI’s app or online banking.
Charges & Fee Waiver
  • Annual Fee Waiver:
    • Waive the Rs. 3,500 annual fee by spending Rs. 5 lakh or more in the previous year.
  • Low Interest Rates:
    • Interest rates as low as 1.25% per month, with a maximum of 3.50% for defaults.

ICICI Bank Sapphiro Credit Card Eligibility:

Criteria Details
Occupation Salaried and Self-employed
Minimum Income for Salaried Rs. 80,000 per month
Minimum Income for Self-employed Rs. 83,333 per month
Documents Required Click here for the list of acceptable documents
Serviceable Cities Click here for the list of eligible cities

The fees and charges associated with the ICICI Bank Sapphiro Credit Card are as follows:

Fees / Charges Amount
Joining Fee Rs. 6,500
Annual Fee Rs. 3,500 (waived off on spending more than Rs. 6 lakh in the previous year)
Finance Charges 3.40% per month / 40.80% p.a.
Late Payment Charges** For Statement Balance
  • Below Rs. 100 – Nil
  • Between Rs. 100 to Rs. 500: Rs. 100
  • Between Rs. 501 to Rs. 5,000: Rs. 500
  • Between Rs. 5,001 to Rs. 10,000: Rs. 750
  • Between Rs. 10,001 to Rs. 25,000: Rs. 900
  • Between Rs. 25,001 to Rs. 50,000: Rs. 1,000
  • Above Rs. 50,000: Rs. 1,200

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FAQs

No, the card has a joining fee of ₹6,500 plus GST and an annual fee of ₹3,500 from the second year onwards.

  • Complimentary Bose IE2 Audio Headphones as a welcome gift after paying the joining fee.
  • Four complimentary domestic airport lounge visits annually through Visa/Mastercard/AmEx lounge programs.
  • Up to two spa sessions per year at select airports under the Dreamfolks Program.
  • International transaction capability with the option to enable or disable foreign usage.

You can redeem PAYBACK Points:

  • As cash credit to your card by calling 080-40146444 (credited within 7 working days).
  • For rewards in the PAYBACK catalogue by calling 1860-258-5000 or visiting the PAYBACK website.

Yes, this card supports online transactions with domestic and select international retailers. To ensure secure transactions, register for 3D Secure or Verified by VISA.

Yes, you get four complimentary domestic lounge visits annually and access to international lounges through select programs.

The interest rate is 3.40% per month (40.8% per annum). Late payments or defaults may increase this rate to 3.50% per month.

You can request a replacement through ICICI customer care, net banking, or by visiting a branch. A replacement fee of ₹100 is applicable, and the new card will arrive within 7 working days.

Defaulting results in penalty charges, higher interest rates (up to 3.50% per month), and a potential negative impact on your credit score due to reporting to CIBIL. Always pay at least the minimum due to avoid these consequences.

You can access the following links to find detailed information and procedures related to managing your ICICI Bank Credit Card

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