When will I get the joining benefits for the Sapphiro Credit Card?

You will receive an e-mail regarding the same within 45 business days after the payment of the joining fee.

What is included in the joining benefit vouchers?

Upon payment of the joining fee, Cardholders will receive welcome vouchers worth over ₹13,000 within 45 days. There are vouchers worth ₹3,000 from Tata CliQ, ₹4,000 from EaseMyTrip (4 vouchers of ₹1,000 each), ₹5,000 from Da Milano, ₹1,500 from Croma (3 vouchers of ₹500 each) and an EazyDiner Prime Membership (3 months' subscription) worth ₹1,095.

Can I make an online purchase with the ICICI Bank Sapphiro Credit Card?

Yes. You can easily make online purchases across India and in select overseas stores using the ICICI Bank Sapphiro Credit Card.

Is an ICICI Bank Sapphiro Credit Card free?

No, the Card has a joining fee of ₹6,500 and an annual fee of ₹3,500.

How can I avoid the annual fee of the ICICI Bank Sapphiro Credit Card?

If you spend over ₹6 lakh, you can get your annual fee waived off for the next year.

What is CVV in a Credit Card? How do I find the CVV in my Sapphiro Credit Card?

Flip your Sapphiro Credit Card. The three-digit security code next to the signature panel is your CVV. You can also check it by logging in to your ICICI Bank's iMobile app or Net Banking.

What is the age limit to apply for Sapphiro Credit Card?

You must be between the ages of 21 and 65 years to be eligible to apply for the ICICI Bank Sapphiro Credit Card.

What is the ICICI Bank Sapphiro Credit Card best used for?

The ICICI Bank Sapphiro Credit Card is best used for travel and lifestyle expenses. It has a wide range of offers like complimentary Airport Lounge access, BookMyShow offers, Welcome Vouchers and much more!

What are the criteria for availing domestic airport lounge access?

To enjoy domestic airport lounge access, you must spend ₹75,000 or more on your Sapphiro Credit Card in a calendar quarter. This entitles you to avail the lounge access benefit in the following calendar quarter. The benefit is exclusively applicable to the primary Cardholder.

What are the golf privileges and eligibility criteria?

As a Sapphiro Credit Cardholder, you are eligible for a complimentary round or lesson of golf for every ₹50,000 spent on retail purchases in the previous calendar month. You can avail of a maximum of 4 complimentary rounds per month.

What are the movie ticket benefits available?

Cardholders are eligible for a Buy-One-Get-One movie ticket offer worth up to ₹500 on the purchase of a minimum of two tickets. Customers with dual Credit Card variants (MasterCard and AMEX) can avail one complimentary movie benefit per month per variant.

What is the fuel surcharge waiver offered to Cardholders?

Cardholders can avail of a 1% fuel surcharge waiver on all fuel transactions of up to ₹4,000 at any fuel outlet in India.

What are the differences between the ICICI Bank Sapphiro Credit Card's Amex and Mastercard variants?

The core benefits remain the same. Differences are mainly in card network acceptance, lounge access allocation per variant, and select merchant offers based on Amex or Mastercard.

LifestylePremiumMastercardAmerican Express

ICICI Sapphiro Credit Card

Premium rewards for high-volume spenders

Annual fee₹3,500Waived on ₹6.0L spend

Rewards2.00%2 Reward Point per ₹100

Forex markup3.5%3.5%

Check Eligibility →or apply directly on ICICI Bank's website ↗

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Welcome benefits

worth ₹13,000

Welcome Vouchers worth over ₹13,000 from Tata CLiQ, EazyDiner, Da Milano, EaseMyTrip & Tata Croma

Type: Vouchers
Trigger: within 45 days
Partner: Tata CLiQ, EazyDiner, Da Milano, EaseMyTrip, Tata Croma

Read full T&C →

Rewards

Base earn rate

2 Reward Points on every ₹100 spend on Domestic Spend

ICICI Bank Rewards

Excludes: Utility, Insurance

Category	Rate	Cap
International	—	—
Utility Insurance	—	—

• Redemption fee: ₹99

Milestone benefits

Get 4,000 reward points on ₹4 lakh spend & 2,000 for every additional ₹1 lakh spend, upto 20,000 RPs in an anniversary year.

Lounge access

Domestic

16visits / year

Max 4 per quarter
Requires ₹75,000 prior spend

View partner lounges →

International

Priority Pass

2complimentary visits

Fees & charges

Joining fee: ₹6,500 + GST
Annual / renewal fee: ₹3,500 + GST
Annual fee waiver: Spend over ₹6 lakh and get your Annual Fee waived off for the next year
Add-on card fee: ₹199
Interest rate: Pay 3.75% interest per month
Interest-free period: 48 days
Cash advance fee: Pay 3.75% interest per month
Overlimit fee: 2.5%, min ₹550
Payment dishonour: ₹500
Forex markup: 3.5%
DCC markup: 3.50%
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹4000 txns, max ₹50,000/cycle

Late payment

Ranging from ₹100 to ₹1,300

View official MITC →

Insurance covers

Air accident

₹300L

Get an Air Accident Insurance cover of up to ₹3 crore. The primary Cardholder is entitled to Air Accident Insurance coverage of ₹3 crore. This benefit applies only when the Card has been used at least once in the 60 days prior to the event. Note that the insurance covers international travel only, provided that the tickets were purchased using the Credit Card.

Fraud liability

Cardholders are protected against fraudulent transactions with Counterfeit Card Liability, ensuring coverage against unauthorised usage. Additionally, the Card provides an Account Takeover Cover, which safeguards you in case your personal information is accessed or misused by a third party without your consent.

Insurance T&C →

Eligibility

Income (salaried): A salaried individual with a monthly income of ₹75,000. Self-employed individual with an annual income of ₹9,00,000
Income (self-employed): ₹9L/year
Age: 21–65 years

Employment types

SalariedSelf-Employed

Required documents