ICICI Bank Sapphiro Credit Card
Luxury lifestyle and travel privileges, with milestone vouchers and global concierge
Network: Mastercard, Visa, Amex | Type: Rewards | Reward: Reward Points
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Fees & Charges
- Joining Fee: ₹6,500 + GST
- Annual Fee: ₹3,500 + GST
- Waiver: No waiver — milestone benefits provided instead
- Foreign Markup: 3.5%
- Fuel Surcharge: 1% fuel surcharge waiver at HPCL (max ₹100/month)
- Redemption Fee: ₹99 + GST per redemption
- Late Payment Fee: ₹100 to ₹1,200 (slab-based)
- Interest Rate: 3.4% per month (~40.8% APR)
- Cash Advance: 2.5% or ₹300 (whichever is higher)
Credofly Review
ICICI Sapphiro is not meant for cashback chasers — it’s crafted for those who want access, upgrades, and experience. The milestone system gives real value (~₹8K/year), lounge and spa access add comfort, and global concierge offers ease. While rewards are only ~0.5%, the bundled benefits make it a great premium card. Downside: no annual fee waiver, and base RP rate is low.
Rewards & Earnings
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4 Reward Points per ₹100 on international spends
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2 Reward Points per ₹100 on domestic spends (excluding fuel, utilities, etc.)
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1 Reward Point = ₹0.25 when redeemed at ICICI Rewards portal
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Redeem through ICICI Bank Rewards portal
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Rewards redeemable for travel, shopping, lifestyle vouchers
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1 RP = ₹0.25
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Minimum redemption = ₹500 equivalent
Benefits
- Welcome:
Gift vouchers worth ₹9,000+ on joining, valid on brands like TataCliq and EaseMyTrip. Issued within 30 days of fee payment.
- Milestone:
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₹4,000 TataCliq voucher on ₹4L annual spend
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₹1,000 EaseMyTrip voucher every quarter on ₹1L spend
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Total milestone benefit: up to ₹8,000/year
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- Renewal:
Similar welcome vouchers on renewal if annual fee is paid.
- Lifestyle:
movie, golf benefits
Why We Like It
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Lounge access across domestic & international airports
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High-value milestone vouchers
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Access to spa, golf, concierge
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Multi-network availability (Visa, MC, Amex)
Pros & Cons
✅ Pros
Milestone vouchers worth up to ₹8,000/year
Lounge & spa access (domestic + international)
BOGO movies, concierge, golf benefits
❌ Cons
Low reward point value (~0.5%)
No annual fee waiver — benefits offset the cost
No RP on fuel, insurance, rent, wallet loads
Eligibility & Application
Eligibility:
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Min monthly income: ₹1.2L recommended
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Resident Indian
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Good credit score (750+ preferred)
How to Apply:
Apply online in minutes: https://credofly.com/go/icici-sapphiro
Digital KYC and instant eligibility check supported.
FAQs
Is ICICI Sapphiro Credit Card lifetime free?
No, it has a joining fee of ₹6,500 and annual fee of ₹3,500.
What is the reward rate of ICICI Sapphiro Card?
Approx. 0.5% on domestic, up to 1% on international spends.
Does Sapphiro offer lounge access?
Yes, both domestic (8/year) and international (2/year via Dreamfolks).
What milestone benefits are included?
₹4,000 TataCliq + ₹1,000 EaseMyTrip vouchers on qualifying spends.
Are movie offers available?
Yes, BOGO on BookMyShow or INOX, up to ₹500/month.
How to redeem ICICI reward points?
Through ICICI Rewards portal — use points for vouchers, lifestyle, travel.
Which network is better — Visa or Amex?
Visa offers Dreamfolks lounge/spa access. Choose Amex for global rewards.
Can I apply online for ICICI Sapphiro?
Yes — Apply here via Credofly
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