ICICI Bank Sapphiro Credit Card
A premium points card (₹6,500 to join, ₹3,500 a year, waived above ₹6 lakh of spend): 4 points per ₹100 on international spends, 2 on domestic spends and 1 on utilities and insurance, with lounge, golf and BookMyShow benefits. 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: rupee value of a reward point. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹6,500 plus GST Product page |
|---|---|
| Annual fee | ₹3,500 plus GST Product page |
| Annual fee waiver | On ₹6,00,000 of spend in the year Product page |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST Product page |
| Reward redemption fee | ₹99 plus GST Terms |
Rewards
Reward points (rupee value not on record).
| Spend | Earns | Cap |
|---|---|---|
| International spends | 4 points per ₹100 Product page | no cap on record |
| Utilities and insurance (government payments count as utilities) | 1 point per ₹100 Product page | no cap on record |
| Other domestic spends (UPI on the RuPay variant earns points) | 2 points per ₹100 Product page | no cap on record |
ICICI Bank publishes no rupee value for these points; redemption is through the ICICI Bank Rewards catalogue, with a ₹99 + GST handling fee per request.
No rewards on
- Rent and wallet loads (from 5 Feb 2024) Terms
Benefits
- Lounges: 4 domestic airport lounge visits a quarter after ₹75,000 of spend in the previous quarter, and 2 international visits a year (primary cardholder) — ₹75,000 of spend in the preceding quarter for domestic visits Product page
- Fuel: 1% fuel surcharge waived on fills up to ₹4,000 at all pumps (no cap stated) Product page
- Welcome: Welcome vouchers worth over ₹13,000 (Tata CLiQ, EaseMyTrip, Da Milano, Croma, EazyDiner) after the joining fee is paid Product page
- Milestone: 4,000 bonus points at ₹4 lakh of spend in an anniversary year, then 2,000 for each further ₹1 lakh, up to 20,000 points Product page
Also on this card
Quoted from ICICI Bank; not counted in the net value.
- Buy one get one on BookMyShow, up to ₹500 off, twice a month after ₹25,000 of spend in the previous quarter Product page
- Up to 4 golf rounds or lessons a month: one for each ₹50,000 spent in the previous month Product page
- 2 complimentary international airport lounge visits a year Product page
- Air accident insurance of ₹3 crore for the primary cardholder Product page
- ₹2 lakh personal accident cover on the RuPay variant Product page
- 24/7 concierge service Product page
Eligibility
- Age 21 or above Product page
- Age 65 or below Product page
- Indian citizen Product page
- Salaried or self-employed Product page
- Salaried: monthly income of ₹75,000 Product page
- Self-employed: annual income of ₹9 lakh Product page
Not published by ICICI Bank in the documents read
- the rupee value of a reward point (ICICI Bank says points have a redemption value set by the Bank)
- whether fuel spends earn reward points
- a monthly cap on the fuel surcharge waiver
The quotes behind the figures
33 figures, each copied from an official ICICI Bank document.
Show every quote and source
“Joining fee- ₹6,500 + GST”
“Annual fee- ₹3,500 + GST (Spend over ₹6 lakh and get your Annual Fee waived off for the next year)”
“If you spend over ₹6 lakh, you can get your annual fee waived off for the next year.”
“Forex Markup 3.5%”
“Earn Points on every ₹100 spend 4 On International Spend 2 On Domestic Spend 1 On Utility and Insurance Spend”
“Starting 05 February 2024, the government transactions will be included under utility payment transactions.”
“Reward points on UPI and card transactions”
“From 05 February 2024, rent pay and e-wallet loading transactions will not accrue any reward points.”
“Premium Lifestyle Offers Sapphiro Credit Card Apply Now”
“Yes. The Sapphiro Credit Card has a joining fee of ₹6,500 + GST and annual fee of ₹3,500 + GST.”
“No. Reward points are not equivalent to currency and have a redemption value determined by the Bank.”
“ICICI Bank Rupay Credit Card: Fees & Charges Joining Fee ₹500 + GST for Coral Credit Card ₹500 + GST for HPCL Super Saver Credit Card ₹3,000 + GST for Rubyx Credit Card ₹6,500 + GST for Sapphiro Credit Card”
“Easily link your RuPay Credit Card for UPI transactions”
“If only minimum due is paid Pay 3.75% interest per month”
“For late bill payment Ranging from ₹100 to ₹1,300”
“Yes. A Redemption Handling Fee of ₹99 plus applicable GST is charged for every redemption request.”
“Get 4 Domestic Airport Lounge access for primary cardholders on eligible spends of ₹75,000 or more in the preceding spends quarter.”
“Get 1% waiver on fuel transactions of up to ₹4,000 at all fuel pumps”
“Upon payment of the joining fee, Cardholders will receive welcome vouchers worth over ₹13,000 within 45 days.”
“Get 4,000 reward points on ₹4 lakh spend & 2,000 for every additional ₹1 lakh spend, upto 20,000 RPs in an anniversary year.”
“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”
“Get 4 complimentary Golf rounds/lessons per month for primary cardholders. Earn 1 round for eligible spend of ₹50,000 in the preceding calendar month.”
“Get 2 complimentary International airport lounge access for the Primary Cardholders.”
“The primary Cardholder is entitled to Air Accident Insurance coverage of ₹3 crore.”
“₹2 lakh Insurance Get a Personal Accident Insurance Cover (Rupay Variant)”
“Get round-the-clock concierge assistance by calling the toll-free number 18002670731”
“Get the best Credit Card Hot selling Sapphiro save compare Best Credit Card for Premium lifestyle offers”
“An Indian citizen over 21 years of age”
“You must be between the ages of 21 and 65 years to be eligible to apply for the ICICI Bank Sapphiro Credit Card.”
“Self-employed individual with an annual income of ₹9,00,000”
“A salaried individual with a monthly income of ₹75,000”
“Apply now Sapphiro Credit Card: Fees and Charges”
“For customers with dual Credit Card variants (MasterCard and Amex), the entitlement includes 2 domestic lounge visits per quarter for each variant.”
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