TravelPremiumVisa✦ Emirates Skywards

Emirates Sapphiro Credit Card

Skywards miles for every transaction, lounge access included

Annual fee₹5,000Waived on ₹5.0L spend

RewardsEarn Emirates Skywards miles on every ₹100 spend: 1.5 on International Spend, 1.5 on Domestic Spend

Forex markup3.5%3.5% on all foreign currency transactions

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Welcome benefits

5,000 Skywards Miles and Emirates Skywards Silver Tier Membership

Type: Miles And Status
Trigger: On Joining
Partner: Emirates Skywards

Rewards

Base earn rate

Earn Emirates Skywards miles on every ₹100 spend: 1.5 on International Spend, 1.5 on Domestic Spend

Emirates Skywards

Category	Details
International spend	1.5 On International Spend
Domestic spend	1.5 On Domestic Spend

Redemption options

Flights:Miles in your Emirates Skywards account can be redeemed for flights, upgrades, hotel stays, and more with Emirates and its partnersUpgrades:Miles in your Emirates Skywards account can be redeemed for flights, upgrades, hotel stays, and more with Emirates and its partnersHotel stays:Miles in your Emirates Skywards account can be redeemed for flights, upgrades, hotel stays, and more with Emirates and its partners

• Redemption fee: ₹99

Milestone benefits

Retain Emirates Silver Tier status on spends of ₹5,00,000
5000 Skywards Miles on annual renewal

Lounge access

Domestic

8visits / year

Max 2 per quarter
Requires ₹75,000 prior spend

DreamFolks lounge programme →

International

Priority Pass

2complimentary visits

DreamFolks lounge programme →

Fees & charges

Joining fee: ₹5,000 + GST
Annual / renewal fee: ₹5,000 + GST
Annual fee waiver: On ₹5.0L spend
Add-on card fee: ₹199
Interest rate: Pay 3.75% interest per month
Interest-free period: 48 days
Cash advance fee: ATM withdrawal: Pay 3.75% interest per month
Overlimit fee: 2.5%, min ₹550
Payment dishonour: ₹500
Forex markup: 3.5% on all foreign currency transactions
DCC markup: 3.50%
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹4000 txns, max ₹50,000/cycle

Late payment

Outstanding amount	Late fee
₹0 – ₹100	₹0
₹101 – ₹500	₹100
₹501 – ₹1,000	₹500
₹1,001 – ₹5,000	₹600
₹5,001 – ₹10,000	₹750
₹10,001 – ₹25,000	₹900
₹25,001 – ₹50,000	₹1,100
Above ₹50,001	₹1,300

View official MITC →

Eligibility

Income (salaried): A salaried employee with a monthly income of ₹1,50,000. You're self-employed with an annual income of at least ₹18,00,000
Income (self-employed): ₹18L/year
Age: 21+ years

Employment types

SalariedSelf-Employed

Required documents

Proof of identity
Proof of address
Income Proof

Features

✓ International usage

Additional features

Fly better with the Emirates Sapphiro Credit Card. Earn Skywards Miles, complimentary lounge access, and Emirates Silver Tier status with this premium travel card. Get exclusive offers on dining, entertainment, and more, making every moment of your journey extraordinary.