Emirates Skywards ICICI Bank Sapphiro Credit Card
Travel
Co-branded
Reward Points
1st Year Fee: ₹5,000* Plus Applicable Taxes
Rewards
Up to 2% rewards on all spends
Lounge Access
2 international lounge visits yearly
Travel
Emirates Silver Tier Membership
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About Emirates Skywards ICICI Bank Sapphiro Credit Card
Emirates Skywards ICICI Bank Sapphiro Credit Card is the middle variant of the co-branded Emirates Skywards ICICI Credit Cards. It charges an annual fee of Rs. 5,000 and offers benefits across card activation, renewal, travel, and rewards.
Cardholders can earn 2% Skywards Miles on their spends and save on their travel spends by redeeming them for travel bookings and flight upgrades through Emirates. Additionally, users can avail exclusive benefits through complimentary Silver Tier Membership. However, unlike the other two variants, where this membership is auto-renewed every year, Sapphiro cardholders need to spend Rs. 5 Lakh annually to renew their Silver Tier Membership, which might be disappointing for some users.
Similar to the other two variants, this card also offers a base reward rate on utility and insurance spends, allowing users to accumulate rewards on often-overlooked categories. For frequent travellers, the card offers 2 complimentary domestic lounge visits per quarter and 2 international lounge visits per year. However, this benefit is offered on spending Rs. 75,000 in a quarter, which might be a downside, especially for a travel-focused credit card.
Emirates Skywards ICICI Bank Sapphiro Credit Card is a good choice for Emirates loyalists who want to avail travel benefits without paying an excessively high annual fee. However, its spend-based lounge access and membership renewal requirements may limit its overall value.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit ICICI Bank’s website.
Rewards & Travel Benefits
Rewards Program
- 2 Skywards Miles on every Rs. 100 spent1
- 1 Skywards Mile on every Rs. 100 spent on insurance & utility
Cardholders can redeem the accumulated Skywards Miles against award flights, flight upgrades and more through the Emirates website.
Lounge Access Benefits
- 2 complimentary domestic lounge visits per quarter2
- 2 complimentary international airport lounge visits every year2
Other Features & Benefits
Joining Benefits
- Complimentary Emirates Silver Tier Membership
- 5,000 Skywards Miles on the payment of 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.
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 |
|
Things to Know Before you apply
Get this card if
You are a frequent Emirates flyer and want to earn Skywards Miles on your spends
You are comfortable with reward redemption being limited to Emirates
You can spend Rs. 5 Lakh in a year to maximize benefits through the renewal of Silver Tier Membership
You want to avail movie and dining benefits along with travel benefits
Eligibility Criteria
Age: 21 to 60 years
Occupation: Salaried or Self-employed
Income Requirement: Communicated at the time of sourcing
Paisabazaar Review
What do we like about this card?
Emirates Skywards ICICI Bank Sapphiro Credit Card is designed for frequent Emirates flyers. Cardholders can earn up to 2% Skywards Miles on every spend and redeem them for travel bookings and flight upgrades through Emirates, allowing them to save on travel spends. Additionally, the card offers a base reward rate on utility and insurance spends—a significant benefit that is often overlooked by most credit cards.
Pros
- Complimentary Emirates Silver Tier Membership
- Up to 10,000 Skywards Miles as joining & milestone benefits
- Redeem Skywards Miles for flight upgrades & award flights
- Discounts on movie ticket bookings via BookMyShow
Cons
- No option for an annual fee waiver
- Low reward rate on utility & insurance spends
- Spend-based lounge access benefits
- High forex markup fee of 3.5%
Conclusion
Emirates Skywards ICICI Bank Sapphiro is a co-branded travel credit card that offers value back in the form of Skywards Miles. However, despite an annual fee of Rs. 5,000, the card falls short in terms of international travel benefits, offering limited international lounge access and a high forex markup fee of 3.5%. If you frequently travel via Emirates, this card can help you save on your travel spends by redeeming accumulated Skywards Miles. However, if you don’t have a specific airline preference, you might find airline-agnostic cards like Axis Atlas or Axis Horizon more rewarding.
Frequently Asked Questions
Everything you need to know about this credit card
Yes, Emirates Skywards ICICI Bank Sapphiro Credit Card offers complimentary Emirates Skywards Silver Tier Membership at the time of joining. However, to renew this membership from the second year onward, you need to spend Rs. 5 Lakh in a year.
You can apply for Emirates Skywards ICICI Bank Sapphiro Credit Card through the official website of ICICI Bank. Before applying, make sure to check your eligibility and then submit the application form. You can also contact an ICICI Bank customer care executive to learn more about the application process.
The credit limit is decided by the bank based on various factors, including credit score, repayment history, income, employment history, and more. The exact limit will be communicated to you once your credit card application is approved.
Yes, this card offers 2 complimentary domestic lounge visits per quarter and 2 complimentary international airport lounge visits per year. However, to avail this benefit, you need to spend Rs. 75,000 in the preceding quarter.
Emirates Skywards ICICI Bank Sapphiro Credit Card offers value back in the form of Skywards Miles. Cardholders can redeem these miles on the Emirates website for award flights, flight upgrades, and other travel bookings.
Footnotes
- Exclusions: Fuel, Cash advance, ATM withdrawal, Expenditure in form of EMI, Balance transfer, PLCC, Fees and other charges.
- Applicable on spending Rs. 75,000 in the preceding quarter.
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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