ICICI Bank Sapphiro Credit Card - Features, Benefits, Fees & Charges

ICICI Bank Sapphiro Credit Card (4)

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Want to experience the finest luxuries in life? With the ICICI Sapphiro Credit Card, you can enjoy a range of lifestyle privileges, including travel, dining, entertainment, and golf. You get access to free airport lounges, free golf rounds every month, discounts on movies, 24x7 concierge services, free insurance coverage, fuel surcharge waiver, and so much more! Plus, the card comes with vouchers worth over ₹9,000 from top brands, all for just a joining fee of ₹6,500. Keep reading to learn more! 👇

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus

Vouchers worth ₹10,000 credited within 45 days of payment of joining fees. 

The vouchers include:

  1. Yatra Vouchers worth  ₹4,000 (Four vouchers worth ₹1,000 each
  2. Shoppers Stop Voucher worth ₹3,000 
  3. Ola Vouchers worth ₹1,000 (Four vouchers worth ₹250 each
  4. Croma Voucher worth ₹1,000
  5. Vouchers from Specialty Chain of Restaurants worth ₹1,000
Entertainment Benefit

Up to ₹500 off on the second ticket, twice a month with BookMyShow.

Reward Points
  • On every ₹100 spent, get 4 Reward Points per ₹100 spent on international purchases & 2 Reward Points on domestic purchases.
  • Reward Rate: 0.75%
Lounge Access

1 free access to select airport lounges in India every quarter.

Note: Requires spending of a minimum of ₹5,000 or above during the same period.

Fuel Surcharge

1% Fuel Surcharge Waiver on all fuel transactions.

Insurance Benefit

Air accident insurance of up to ₹3 crore. 

Note: Benefits applicable if used at least once in the last 60 days prior to the event.

Concierge Services

24x7 concierge services related to travel, hotel reservations, and delivery of movie tickets at the doorstep.

Entertainment Benefit

4 free rounds of golf every month at the golf course based on eligible spends on the card.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹6,500

Annual Fee

₹3,500

Annual Percentage Rate

44%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.50%

Cash Advance Limit

NA

Card Replacement Fee

₹100

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

₹0.25
Late Payment Charges

Balance below ₹100

₹ 0

Balance from ₹100 to ₹500

₹ 100

Balance from ₹501 to ₹5000

₹ 500

Balance from ₹5001 to ₹10000

₹ 750

Balance from ₹10001 to ₹25000

₹ 900

Balance from ₹25001 to ₹50000

₹ 1000

Balance more than ₹50000

₹ 1200
Pros

Aspects that make this credit card amazing.

  1. Provides 1% Fuel surcharge waiver at all fuel stations.
  2. Microchip for added security against counterfeiting and duplication.
  3. Air accident insurance of ₹ 3 crore & Card Liability Cover of ₹ 50,000.
  4. Access to 450 comfortable and luxurious airport lounges across 115 countries with Dreamfolks.
Cons

Aspects this credit card lacks.

  1. High joining fee of ₹ 6,500.
  2. High spend fee waiver of ₹ 6 lakhs for annual fee.
  3. One-time complimentary access to the airport lounge each quarter is less for a premium card.
  4. Supplementary Cards are not eligible for insurance and lounge benefits.
ICICI Bank Sapphiro Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3)

Rewards

(3)

Customer Service

(3)

ICICI Bank Sapphiro Credit Card Review

ICICI Bank’s Sapphiro Credit Card is a premium card that suits air travelers more. From welcome benefits to insurance coverage, it caters to those who fly frequently and shop from premium stores. The card also offers lounge services, welcome vouchers, and more benefits. However, the user requires to pay a joining fee of ₹6,500 and a membership fee of around ₹3,500 per annum to avail of the offers. Also, all benefits come with a fixed cap. 

Overview

Best For

Air Travel
Joining Fee ₹6,500
Annual Fee ₹3,500 (waived off on spending more than ₹6 lakhs in the previous year)
Welcome Benefits Vouchers worth ₹9,000 (to be availed within 45 days of payment of joining fees).
Card Type
Premium Card
Card Network Visa

Who should get ICICI Bank Sapphiro Credit Card?

ICICI Sapphiro Credit Card targets senior officials and businessmen who prefer credit cards over cash wherever they go. With lounge access privileges at airports, including spa sessions and limo rides to restaurants, the card has a lot to offer to its premium customers. 

One should go for ICICI Sapphiro Credit Card if they are: 

  • A frequent domestic or international traveler.

  • Would like to avail airport lounge access.

  • Are ready to pay an annual fee of ₹3,500.

  • A frequent user of brands like - TataCliQ, EaseMyTrip Voucher, Uber, and Croma.

Reward Points

ICICI Sapphiro Credit Card offers reward points on transactions. Also, one can earn additional points from partner brands for the purchase. Cardholders have the option to redeem reward points from purchases including movies, travel, mobiles, appliance, and lifestyle products 

Earn bonus rewards of up to 4 Reward Points on every ₹ 100 spent

Spend Category Reward Points (per ₹100 spent)

Domestic spends (except fuel)

2
International spends 4
Utilities and insurance categories 1

How to apply for ICICI Bank Sapphiro Credit Card?

One can apply for ICICI Sapphiro Credit Card Get from the bank’s website in the following steps: 

Step 1: Visit the ICICI bank’s official website.

Step 2: Under the “Cards” section, click on the option “Credit Cards”.

Step 3: Hover to the 'Special Credit Cards' section and click on Sapphiro Credit Card, then click on “Apply Now”.

Step 4: The applicant needs to enter the mobile number, followed by his or her email address and PAN no.

Step 5: Key in the OTP no. received on the registered mobile no. and email ID.

Step 6: Fill in all the required details and upload the required documents in order to complete the process.

The bank claims to disburse the card to the eligible candidates in 15-20 min.

ICICI Bank Sapphiro Credit Card Eligibility

Applicants must be at least 18 years of age and have a steady source of income to be eligible for a credit card.

Documents Required

  • Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
ICICI Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

ICICI Bank

ICICI Bank Credit Card Customer Care Number:

1800 1020 123

ICICI Bank Card Offers:

View Offers

Total Cards:

1,68,46,344
ICICI Bank Credit Card News
23 Mar 2024, Saturday
1. Rules for 18 Credit Cards Will Change at ICICI Bank

ICICI Bank intends to change the benefits of airport lounge access linked to a few of its credit cards starting on 1 April 2024. "Starting 1 April 2024, you can enjoy one complimentary airport lounge access by spending Rs. 35,000 in the preceding calendar quarter," according to the website of ICICI Bank. Access for the next calendar quarter will be provided in accordance with the amount paid during the preceding quarter. Spending at least Rs. 35,000 in the January, February, and March 2024 quarters, as well as the following quarters, will get you complimentary lounge access for the months of April, May, and June 2024.

22 Apr 2023, Saturday
2. ICICI Suffers a Data Breach

Cybernews research team recently uncovered a data breach of over 3.6 million credit card users of ICICI Bank. The data was found misconfigured and publicly accessible on a cloud storage platform named Digital Ocean.

ICICI has been constantly denying any claims made in regards to said data breach, but based on reports, customers’ bank account details, credit card numbers, full names, dates of birth, home addresses, phone numbers, and emails have been compromised.

ICICI Bank Sapphiro Customer Reviews

No Customer reviews yet. Be the first to review this card.

Frequently Asked Questions

The ICICI Sapphiro Visa Credit Card includes access to the lounge, discounts on movie tickets, dining bills, golf rounds, a fuel surcharge, DreamFolks membership fees, and more. By utilising all of the features and benefits provided by the ICICI Sapphiro Credit Card, you can save up to Rs. 1-2 lakhs.

The ICICI Sapphiro Visa Credit Card can be applied for both online and in person. You must go to the bank's official website to apply for this card online. For offline applications, one must go to the nearest ICICI Bank branch and apply for a credit card by filling out and submitting an application form.

Yes. The ICICI Bank Sapphiro Credit Card includes an online purchase option that allows cardholders to purchase from all domestic online retailers and a few international retailers.

The ICICI Sapphiro Credit Card has a monthly interest rate of 3.4% (or 40.8% per year), and the cash advance fee is 2.5% of the total transaction amount (a minimum of Rs. 300).

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