image of SBI Cashback

ICICI Bank Sapphiro Credit Card

★★★★★(4)

Want to experience the finest luxuries in life? With the ICICI Sapphiro Credit Card, you can enjoy a range of lifestyle privileges, including travel, dining, entertainment, and golf. You get access to free airport lounges, free golf rounds every month, discounts on movies, 24x7 concierge services, free insurance coverage, fuel surcharge waiver, and so much more! Plus, the card comes with vouchers worth over ₹9,000 from top brands, all for just a joining fee of ₹6,500. Keep reading to learn more! 👇

Apply NowCheck CIBIL Score
ICICI Bank Sapphiro Credit CardFromSBI Bank
Powered ByVisa
Features and Benefits

Aspects that make spending using this card lit as the sun!

✔Welcome Bonus
✘Travel
✔Fuel
✔Rewards
✘Shopping
✘Cashback
✘Dining
✔Insurance
✘Interest
Welcome Bonus
Welcome Bonus
  • Vouchers worth ₹10,000 credited within 45 days of payment of joining fees.
  • The vouchers include:
Entertainment Benefit
Entertainment Benefit
  • Up to ₹500 off on the second ticket, twice a month with BookMyShow.
Reward Points
Reward Points
  • On every ₹100 spent, get 4 Reward Points per ₹100 spent on international purchases & 2 Reward Points on domestic purchases.
  • Reward Rate: 0.75%
Lounge Access
Lounge Access
  • 1 free access to select airport lounges in India every quarter.
  • Note: Requires spending of a minimum of ₹5,000 or above during the same period.
Fuel Surcharge
Fuel Surcharge
  • 1% Fuel Surcharge Waiver on all fuel transactions.
Insurance Benefit
Insurance Benefit
  • Air accident insurance of up to ₹3 crore.
  • Note: Benefits applicable if used at least once in the last 60 days prior to the event.
Concierge Services
Concierge Services
  • 24x7 concierge services related to travel, hotel reservations, and delivery of movie tickets at the doorstep.
Entertainment Benefit
Entertainment Benefit
  • 4 free rounds of golf every month at the golf course based on eligible spends on the card.
Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹6,500

Annual Fee

₹3,500

Annual Percentage Rate

44%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.50%

Cash Advance Limit

NA

Card Replacement Fee

₹100

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

₹0.25

Balance more than ₹50000

₹1200
Pros

Aspects that make this credit card amazing.

  1. ⮚Provides 1% Fuel surcharge waiver at all fuel stations.
  2. ⮚Microchip for added security against counterfeiting and duplication.
  3. ⮚Air accident insurance of ₹ 3 crore & Card Liability Cover of ₹ 50,000.
  4. ⮚Access to 450 comfortable and luxurious airport lounges across 115 countries with Dreamfolks.
Cons

Aspects this credit card lacks.

  1. ⮚High joining fee of ₹ 6,500.
  2. ⮚High spend fee waiver of ₹ 6 lakhs for annual fee.
  3. ⮚One-time complimentary access to the airport lounge each quarter is less for a premium card.
  4. ⮚Supplementary Cards are not eligible for insurance and lounge benefits.

ICICI Bank Sapphiro Credit Card Review

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

ICICI Bank’s Sapphiro Credit Card is a premium card that suits air travelers more. From welcome benefits to insurance coverage, it caters to those who fly frequently and shop from premium stores. The card also offers lounge services, welcome vouchers, and more benefits. However, the user requires to pay a joining fee of ₹6,500 and a membership fee of around ₹3,500 per annum to avail of the offers. Also, all benefits come with a fixed cap.

Overview

Best ForAir Travel
Joining Fee₹6,500
Annual Fee₹3,500 (waived off on spending more than ₹6 lakhs in the previous year)
Welcome BenefitsVouchers worth ₹9,000 (to be availed within 45 days of payment of joining fees).
Card TypePremium Card
Card NetworkVisa

ICICI Bank Sapphiro Credit Card Maximum Cashback

Spend CategoryReward Points (per ₹100 spent)
Domestic spends (except fuel)2
International spends4
Utilities and insurance categories1

Who should get an ICICI Bank Sapphiro Credit Card?

ICICI Sapphiro Credit Card targets senior officials and businessmen who prefer credit cards over cash wherever they go. With lounge access privileges at airports, including spa sessions and limo rides to restaurants, the card has a lot to offer to its premium customers.

One should go for ICICI Sapphiro Credit Card if they are:

How to Apply for an ICICI Bank Sapphiro Credit Card?

The bank claims to disburse the card to the eligible candidates in 15-20 min.

ICICI Bank Sapphiro Credit Card Eligibility

Applicants must be at least 18 years of age and have a steady source of income to be eligible for a credit card.

    Documents Required

    • Proof of identity: Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
    • Proof of Address: Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
    • Proof of Income: Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.