Emirates Skywards ICICI Bank Sapphiro Credit Card
An Emirates co-branded card (₹5,000 to join and each year) that earns 1.5 Skywards Miles per ₹100 on eligible retail spends, with 5,000 miles and Skywards Silver tier on joining, 2 international lounge visits a year and a BookMyShow buy-one-get-one offer. Every figure below is copied from ICICI Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: foreign-currency markup; rupee value of a reward point. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹5,000 plus GST Product page |
|---|---|
| Annual fee | ₹5,000 plus GST Product page |
| Annual fee waiver | None on record |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | Not on record |
| The foreign-currency markup is given only in ICICI Bank's MITC PDF, whose text layer cannot be extracted for quoting, so it is left out. The product page offers no annual-fee waiver on spend. | |
Rewards
Reward points (rupee value not on record).
| Spend | Earns | Cap |
|---|---|---|
| Eligible retail spends, in India and abroad | 1.5 points per ₹100 Terms | no cap on record |
Earned as Emirates Skywards Miles, credited to the cardholder's Emirates Skywards account after each statement and redeemed with Emirates and its partners.
ICICI Bank publishes no rupee value for a Skywards Mile; miles are redeemed with Emirates, so CardWise does not price them.
No rewards on
Benefits
- Lounges: 2 international airport lounge visits a year (Priority Pass) and 2 domestic visits a quarter after ₹75,000 of spend in the previous quarter, for the primary cardholder — ₹75,000 of spend in the preceding quarter for the domestic visits Product page
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹4,000 (no cap stated) Product page
- Welcome: 5,000 Skywards Miles and Emirates Skywards Silver tier membership after the joining fee is paid Terms
- Milestone: 5,000 Skywards Miles on renewal, if ₹5 lakh was spent in the previous year Terms
Also on this card
Quoted from ICICI Bank; not counted in the net value.
- Up to 10% off Emirates flights booked on emirates.com with promo code INICI26 Product page
- Complimentary Emirates Skywards Silver tier, kept with ₹5 lakh of spend a year Product page
- Priority Pass membership with 2 international lounge visits a year Product page
- BookMyShow buy one get one, up to ₹500 off, twice a month after ₹25,000 of spend in the previous quarter Product page
Eligibility
- Age 21 or above Product page
- Indian citizen Product page
- Salaried or self-employed Product page
- Salaried: monthly income of ₹1,50,000 Product page
- Self-employed: annual income of at least ₹18 lakh Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by ICICI Bank in the documents read
- the rupee value of a Skywards Mile
- a cap on the fuel surcharge waiver
- an annual-fee waiver on spend
- a RuPay variant for UPI
- an upper age limit
Where ICICI Bank’s documents differ, and what is used
- Earn rate: the product page and the T&C (updated 30 Sep 2025) give 1.5 Skywards Miles per ₹100; the Emirates Skywards family page FAQ still says 2 miles and this card's own FAQ says 'up to 2'. 1.5 is used.
- Renewal miles: the product page says 5,000 Skywards Miles on annual renewal without a condition; the T&C make the annual benefit subject to ₹5 lakh of spend in the previous year. The T&C condition is used.
- Network: the 2022 launch press release names Visa; the current product page does not name a network.
The quotes behind the figures
25 figures, each copied from an official ICICI Bank document.
Show every quote and source
“Joining Fee ₹5,000 + GST Annual Fee ₹5,000 + GST”
“Skywards Miles (per 100 spent) 1.5 0”
“Earn Emirates Skywards miles on every ₹100 spend 1.5 On International Spend 1.5 On Domestic Spend”
“Fuel, Cash Advances, ATM Withdrawals, Expenditure in the form of EMIs, Balance Transfer, Personal Loan on Credit Card, Fees and other charges”
“Insurance payments, Utility payments, Government spends, Education payments, rent payments, e - wallet loading transactions.”
“Get 5,000 Skywards Miles and Emirates Skywards Silver Tier Membership”
“Get 5000 Skywards Miles on annual renewal”
“Earn up to 2 Skywards Miles per ₹100 spent on most categories, including dining, travel, and entertainment.”
“You get 2.5 Miles, 2 miles and 1.5 miles for ₹100 spent using your Emaralde, Sapphiro and Rubyx credit cards.”
“Complimentary Priority Pass Membership for the primary cardholder with ICICI Bank Emirates Sapphiro Credit Card”
“If minimum due is paid Pay 3.75% interest per month”
“For late bill payment Ranging from ₹100 to ₹1,300”
“Get 2 Domestic Airport Lounge access for primary cardholders on eligible spends of ₹75,000 or more in the preceding spends quarter.”
“Fuel purchases between ₹400 and ₹4,000 get a 1% surcharge waiver”
“The Primary Cardholder will receive 5,000 Miles* subject to the payment of Joining Fee.”
“Cardholder(s) will qualify for bonus 5,000 Skywards Miles as Joining and Annual Benefit if he / she is a Cardholder, subject to (INR) 5 lakh spends in the previous year for the Annual Benefit.”
“Get upto 10% Discount on Emirates flight bookings using the promo code INICI26 via Emirates.com”
“To retain the Silver Tier status in subsequent years, an annual spend of ₹5 lakh is required.”
“Get 2 complimentary International airport lounge access for the Primary Cardholders.”
“Buy One Get One on BookMyShow up to ₹500 off twice a month, on eligible spendings of ₹25,000 or more in the preceding spends quarter”
“You are an Indian citizen over 21 years of age”
“You’re self-employed with an annual income of at least ₹18,00,000”
“A salaried employee with a monthly income of ₹1,50,000”
“APPLY NOW Emirates Sapphiro Credit Card Charges”
“The co-branded credit cards, powered with Visa as the network partner, are available in three variants”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with ICICI Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is ICICI Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology