ICICI Bank Sapphiro Credit Card is a premium credit card offered in two network variants- Mastercard and Visa. The card is best suited for both domestic and international travelers and offers premium privileges to the users including Complimentary Dragon Pass Membership, Visa Lounge Access, Golf privileges and more. Read more to know the features, benefits, fees, charges and eligibility of the card in detail.
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Key Highlights of ICICI Bank Sapphiro Credit Card |
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| Joining Fee | Rs. 6,500 |
| Annual Fee | Rs. 3,500 (waived off on spending more than Rs. 6 lakh in the previous year) |
| Best Suited For | Travel and Shopping |
| Minimum Income Required | Rs. 80,000 per month (For Salaried) Rs. 83,333 per month (For Self-Employed) |
| Paisabazaar Rating | ★★★★(4/5) |
| Welcome Benefits | Welcome Vouchers on Shopping and Travel worth Rs 9,000+ on payment of the joining fee |
Suggested Read: ICICI Sapphiro Credit Card Review
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With ICICI Bank Sapphiro Credit Card, you get to enjoy the benefits of 2 cards with the convenience of 1 account.
You will get access to premium lifestyle privileges across popular categories like travel, dining, entertainment, golf etc.
The card charges and annual fee of Rs. 3,500 which might seem too high for some of the users. However, the card offers vouchers worth Rs. 9000+ as a welcome gift which definitely evens out the annual fee paid by you.
Hence the fees seem totally reasonable in this sense. You are entitled to get vouchers from the following brands-
| Brand | Voucher Amount |
| TataCliQ | Rs. 3,000 |
| EaseMyTrip Voucher | Rs.4,000 (Four vouchers worth Rs. 1,000 each) |
| Uber | Rs. 1,000 (Four vouchers worth Rs. 250 each) |
| Croma | Rs. 1,500 |
You can avail the above listed vouchers within 45 days of payment of joining fees. To know more about redemption of vouchers and other terms and conditions, click here.
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ICICI Bank Sapphiro Credit Card offers decent rewards on all your domestic and international spendings.
You can redeem your PAYBACK points from many options available including movie and travel vouchers to lifestyle products, mobiles, appliances and more. The points are given in the following manner-
| Category | PAYBACK Points on ICICI Sapphiro Mastercard Credit Card (per Rs.100) |
| Domestic Spends | 2 |
| International Spends | 4 |
| Utilities and Insurance | 1 |
| On spends of Rs. 4 lakh in an anniversary year | 4,000 |
| Each time you cross Rs. 1 lakh spend thereafter in an anniversary year | 2,000 |
Note: Under the new Milestone Rewards program, get 4,000 PAYBACK Points on spending Rs. 4 lakh on your card and 2,000 PAYBACK Points each time you cross Rs. 1 lakh spend thereafter in an anniversary year; maximum of 20,000 PAYBACK Points per year.
The card provides 4 complimentary airport lounge access per quarter (two on each variant) by spending a minimum of Rs 5,000 or above in a calendar quarter on the card to avail this facility in the next calendar quarter. Over and above the allowed number of complimentary visits, each subsequent visit will be charged as per rates applicable to each lounge service provider.
Suggested Read: Best Lounge Access Credit Card
For the list of applicable lounges, please call 1800 102 6263/ 022-42006396 or Click here for a complete list of lounges.
This is perhaps one of the best benefits that the card offers. As a Dreamfolks Member, you can relax at more than 450 comfortable and luxurious airport lounges across 115 countries around the world, regardless of the class or airline you fly with, or whether you are a member of an airline frequent flyer club. You can avail the following benefits-
As an ICICI Bank Sapphiro Credit Cardholder, you will get a complimentary Golf Round / Lesson for every Rs. 50,000 retail spends in the previous calendar month, maximum of up to 4 rounds a month.
You may also call iAssist, the 24×7 concierge service on 1800-26-70731 (toll free for MTNL/ BSNL lines) or 022-67872016 (standard call charges applicable), for assistance with online booking.
Buy one and get up to Rs. 500 off on the second ticket, twice every month via BookMyShow. To book your ticket and for detailed terms and conditions, click here.
Here are some of the additional significant benefits that the card offers-
Quick Read: Best Fuel credit cards |
| 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 Fee | For Statement Balance:
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| Criteria | Details |
| Occupation | Salaried or Self-employed |
| Minimum Income for Salaried | Rs. 80,000 per month |
| Minimum Income for Self-Employed | Rs. 83,333 per month |
| Serviceable Cities | Click here for the list of eligible cities |
| Documents Required | Click here for the list of acceptable documents |
ICICI Bank Sapphiro Credit Card is indeed a travel-focused credit card, best suited for frequent domestic and international travellers interested in airport lounge access. For instance, the cardholder is eligible for 4 domestic lounge visits per quarter along with 2 annual domestic airport spa visits. Further, the card offers 2 international airport lounge visits per year.
It is worth noting that the Amex variant of the card offers 50% more rewards as compared to the Mastercard variant. Instead of the commonly issued Priority Pass by the rest of the credit card issuers, this card gives you access to some lounges that are not under Priority pass Programme via its Dreamfolks Membership Programme. Also, access to 2 spa sessions is an added benefit.
| Should get this card if | Should consider other options if |
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| Credit Card | Annual Fee | Best For | Key Feature |
| Air India SBI Signature Credit Card | Rs. 4,999 | Travel Rewards and Exclusive Benefits with Air India | 30 reward points for every Rs. 100 spent on Air India ticket booking |
| Standard Chartered Emirates World Credit Card | Rs. 3,000 | Travel Rewards with Emirates, Lounge Access and Golf Privileges | 5% cashback on duty-free shopping and 6 Skyward miles on every Rs. 150 spent |
| HDFC Regalia Credit Card | Rs. 2,500 | International Airport Lounge Access | Complimentary Priority Pass Membership and Club Vistara Silver Membership |
| SBI Elite Credit Card | Rs. 4,999 | Lounge Access, Movies, and Dining | Complimentary Priority Pass, Vistara Silver, and Trident Privilege Red Tier Memberships |
You can apply for this credit card through both online as offline modes. To apply online, you can visit the official website of the bank and fill out the application form. If you want to apply offline, you need to visit the nearest branch of the bank to process with the application.
You can save up to Rs. 1,95,030 via the rewards, complimentary memberships, etc. offered by ICICI Bank Sapphiro Credit Card. The details are given below:
| Feature | Cost (Rs.) |
| DragonPass Membership | 6,930 |
| 2 international airport lounges visits | 3,000 |
| 2 spa sessions at airports in India | 1,500 |
| Free Mastercard Lounge Access | 16,000 |
| 2 BookMyShow tickets per month | 12,000 |
| Access & golf rounds at golf courses (India/Abroad) | 1,40,000 |
| Rewards on annual spend of Rs 5.00 lakh on domestic purchases | 3,500 |
| Milestone rewards on spending Rs 10.00 lakh | 4,000 |
| 1% fuel surcharge waiver | 600 |
| Total Savings | 1,95,030 |
The differences between the two variants are almost negligible except in terms of reward points offered. American Express cardholders will earn 50% more reward points compared to Mastercard variants. However, the Mastercard variant provides more offers.
The redeemed items will reach you within 10 working days.
You can redeem the reward points into cash by calling on 080-40146444. The cash amount will be credited to your credit card account within 7 working days.
To redeem points against an item in the reward’s catalogue call PAYBACK on 1860-258-5000. Alternatively, you may place an online redemption request at PAYBACK’s website.
Yes. Your ICICI Bank Sapphiro Credit Card is enabled with the online purchase option and you can use it to make purchases on the website of all domestic online retailers as well as a few international retailers.
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