Credit Cards · Honest Review
ICICI Bank Sapphiro Credit Card
ICICI Bank · Visa
Your Verdict
- ✓Complimentary domestic and international airport lounge access
- ✓4 reward points per 100 on international spends
- ✓Buy 1 Get 1 movie ticket offer twice a month
- ✓48 complimentary golf rounds on crossing 6 lakh annual spend
- ✓Annual fee fully waived on 6 lakh yearly spend
What ICICI Bank Sapphiro Credit Card costs you
ICICI Bank Sapphiro Credit Card carries a ₹3,500 annual fee and a ₹3,500 one-time joining fee. The annual fee is waivable: Spend 6 lakh in the previous year to waive renewal fee and unlock 48 complimentary golf rounds.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹3,500 |
| Joining fee (one-time) | ₹3,500 |
| Fee waiver condition | Spend 6 lakh in the previous year to waive renewal fee and unlock 48 complimentary golf rounds |
| Spend required for waiver | ₹6,00,000 / year |
| Foreign transaction fee (forex markup) | 3.5% per transaction |
What you earn on every rupee spent
ICICI Bank Sapphiro Credit Card earns 2.00% on all eligible spends as a base reward rate, with accelerated rates on travel & flights, entertainment & ott and other bonus categories listed below. Each reward point is worth ₹0.25 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 2.00% |
| ✈️ Travel & Flights | 4% |
| 🎬 Entertainment & OTT | 2% |
4,000 reward points on 4 lakh spend and 2,000 points for every additional 1 lakh, up to 20,000 points per anniversary year
Reward types: Points · Lounge · Discounts
Beyond the reward rate
The non-reward benefits on ICICI Bank Sapphiro Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for ICICI Bank Sapphiro Credit Card
ICICI Bank Sapphiro Credit Card requires a minimum net monthly income of ₹80,000 for salaried applicants and a CIBIL score of 750 or above. It is open to salaried employees and self-employed professionals.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹80,000 |
| CIBIL score | 750+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried, Self-employed |
| Typical approval time | 7-10 working days |
Minimum annual income around 9.6 lakh typically required.
Who should (and shouldn't) get ICICI Bank Sapphiro Credit Card
- → Heavy spenders on travel & flights who want 4% back
- → Heavy spenders on entertainment & ott who want 2% back
- → Frequent travelers who value airport lounge access
- → Moderate spenders who can clear the fee waiver condition
- → International travelers — the 3.5% forex markup adds up quickly
ICICI Bank Sapphiro Credit Card — Questions answered
What is the annual fee for ICICI Bank Sapphiro Credit Card?
What is the minimum income required for ICICI Bank Sapphiro Credit Card?
What is the reward rate on ICICI Bank Sapphiro Credit Card for travel & flights?
Does ICICI Bank Sapphiro Credit Card provide airport lounge access?
How do I get the annual fee waived on ICICI Bank Sapphiro Credit Card?
How long does it take to get ICICI Bank Sapphiro Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.