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ICICI Sapphiro Credit Card

Premium rewards for high-volume spenders

Annual fee₹3,500Waived on ₹6.0L spend

Rewards2 Reward Points on every ₹100 spend on Domestic Spend

Forex markup3.5%3.5%

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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

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

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: ₹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

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 →

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.

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