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ICICI Bank Sapphiro Mastercard Credit Card
ICICI Bank

ICICI Bank Sapphiro Mastercard Credit Card

Premium travel, golf and entertainment privileges with four Sapphiro network variants

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At a glance

Should you consider this card?

Standard fees: ₹6,500 + GST joining and ₹3,500 + GST annual. The annual fee is waived on ₹6 lakh annual spend. Benefits and access eligibility vary by network variant and issuer terms.
Annual fee6500
Joining fee6500
Forex markup3.5%

Welcome benefit

On payment of the joining fee, ICICI Bank currently lists welcome vouchers worth over ₹13,000, issued within 45 days. Listed offers include Tata CLiQ, EaseMyTrip, EazyDiner Prime, Da Milano and Croma; issuer terms apply.

Key highlights

  • ₹6 lakh annual-fee waiver • 2 international lounge visits/year • Golf + BookMyShow benefits
Earning and using rewards

Rewards that matter

How you earn

  • • 2 ICICI Bank Reward Points per ₹100 on eligible domestic spends. • 4 ICICI Bank Reward Points per ₹100 on eligible international spends. • Check the current issuer terms for excluded merchant categories and accelerated-reward caps.

How to redeem

  • • View and redeem ICICI Bank Reward Points through the bank’s rewards channels. • A redemption handling fee of ₹99 + GST may apply per redemption request. • Redemption value, catalogue availability and minimums can change; review the selected option before confirming.

Renewal benefit

No separate renewal voucher is assumed on this master record. The published ₹6 lakh annual-spend threshold waives the following year’s annual fee; verify any targeted renewal offer with ICICI Bank.
Spend thresholds

Milestone benefits

  • • ₹6,00,000 annual spends waive the following year’s annual fee. • One complimentary golf round or lesson per ₹50,000 prior-month retail spend, up to four per month. • Review the issuer’s current milestone and golf terms before planning spends.

Cost and conditions

Fees and charges

Joining fee6500
Annual fee6500
Forex markup3.5%
Fuel surcharge1% fuel surcharge waiver at HPCL (max ₹100/month)
Reward redemption₹99 + GST per redemption
Interest rate3.75% per month
Cash advance2.5% or ₹300 (whichever is higher)
Late payment₹100 to ₹1,300 (slab-based)
Annual fee waived for the following year on ₹6,00,000 or more in annual spends.

What works well

A well-rounded premium lifestyle package: movies, golf, concierge and travel access.
The ₹6 lakh annual-spend threshold can waive the following year’s annual fee.
Four linked network variants allow network-specific benefits to be evaluated clearly.

Consider before applying

Standard fees are substantial unless you receive a targeted no-fee offer or reach the waiver threshold.
Domestic lounge access requires ₹75,000 spend in the preceding calendar quarter.
Reward-point value and earning exclusions need to be checked against current issuer terms.
Travel, insurance and more

Benefits and privileges

  • • Domestic airport lounge access is spend-linked: ₹75,000 in a calendar quarter unlocks next-quarter access, subject to network-variant terms. • Two international lounge accesses per calendar year for the primary cardholder; programme depends on issuance date. • BookMyShow Buy 1 Get 1 benefit, with the complimentary ticket capped at ₹500; frequency can vary by variant. • Golf, iAssist concierge and lifestyle benefits are subject to current issuer terms.

Before you apply

Eligibility and application

Who may be eligible

  • • Age 21 to 65 years, as stated by ICICI Bank for this card. • Final eligibility, income assessment, credit history and approved limit are determined by ICICI Bank. • Resident, employment and documentation requirements vary by applicant and application channel.

Application process

1. Use the Credofly application link to check the latest ICICI Bank route and eligibility. 2. Submit the information requested by the issuer and complete KYC if required. 3. Review fees, the network variant offered and current benefit terms before accepting issuance.
Check eligibility with ICICI Bank ↗
Our take

Credofly review

At the standard fee, Sapphiro is a benefits-led card rather than a rewards-first card. Its strongest case is for a user who will use BookMyShow, golf, international lounge access and the spend-based annual-fee waiver. The published domestic-lounge threshold—₹75,000 in a calendar quarter for next-quarter access—means occasional travellers should not value lounge access as automatic. The master page directs readers to the linked Mastercard, Visa, Amex and RuPay records for network-specific terms.
Answers before applying

Frequently asked questions

Is ICICI Bank Sapphiro Credit Card lifetime free?

The standard product pricing listed by ICICI Bank is ₹6,500 + GST joining and ₹3,500 + GST annual. Some customers may receive targeted no-fee offers, but those are not guaranteed; confirm the offer shown to you before applying.

How can I get the Sapphiro annual fee waived?

Spend ₹6,00,000 or more in a year to waive the following year’s annual fee, according to the current ICICI Bank Sapphiro product page.

What welcome benefits are offered with Sapphiro?

On payment of the joining fee, ICICI Bank currently lists welcome vouchers worth over ₹13,000, issued within 45 days. Voucher brands and terms can change, so review the latest issuer terms.

What is the domestic airport lounge eligibility?

Spend ₹75,000 or more in a calendar quarter to become eligible for domestic lounge access in the following quarter. The number of visits and availability depend on the network variant and programme terms.

How does international lounge access work?

The primary cardholder receives two complimentary international lounge accesses per calendar year. For cards issued on or after 15 November 2024, ICICI Bank describes Priority Pass membership; earlier customers may have DreamFolks.

What are the Sapphiro golf benefits?

One complimentary golf round or lesson is available for every ₹50,000 of retail spend in the prior calendar month, up to four per month, subject to current Golftripz and issuer terms.

What is the BookMyShow benefit?

Sapphiro offers a Buy 1 Get 1 movie-ticket benefit on BookMyShow, with the complimentary ticket capped at ₹500. The number of redemptions can vary by network variant and issuer terms.

Who is eligible for ICICI Sapphiro?
ICICI Bank states an age range of 21 to 65 years. Final approval, income requirements, credit history and card limit are determined by the bank.
How are Sapphiro reward points earned?
ICICI Bank’s published structure lists 2 Reward Points per ₹100 on eligible domestic spends and 4 Reward Points per ₹100 on eligible international spends. Exclusions and caps apply.
How can I redeem ICICI Bank Reward Points?
Use ICICI Bank’s rewards channels to see current redemption choices. A ₹99 + GST redemption handling fee may apply per redemption request; value and availability vary by option.
Which Sapphiro network variant should I choose?
This master card links Mastercard, Visa, American Express and RuPay variants. Compare the specific variant pages because lounge, access and network benefits may differ.
Is Sapphiro good for everyday rewards?
Sapphiro is primarily a lifestyle-benefits card. It is a better fit when you value movies, golf, airport access and the annual-fee waiver rather than only a high base reward rate.
What should I check before applying?
Confirm the fee offered to you, the exact network variant, welcome-voucher terms, lounge eligibility and reward exclusions. Issuer terms can change.
Does Sapphiro offer fuel benefits?
The standard record notes a 1% fuel-surcharge waiver at HPCL, capped at ₹100 per month. Confirm current eligibility and transaction limits with ICICI Bank before relying on it.
What is the foreign-currency markup on Sapphiro?
The current master record lists a 3.5% foreign-currency markup. Verify the latest schedule of charges before international spending because charges can change.
When was this Sapphiro data last reviewed?
Product-level information was checked against ICICI Bank sources on 10 September 2026. Network-specific benefits are maintained separately on the linked variant records.

Fees, rewards, availability and eligibility can change. Verify the issuer’s current terms before applying. Record last verified: 0000-00-00. View issuer source ↗