ICICI Bank Sapphiro Credit Card
Fees
Joining ₹6,500 + Taxes
Annual ₹3,500 + Taxes
Reward Rate
2 Reward Points per ₹100 on domestic spends; 4 points per ₹100 on international spends
Welcome Bonus
Up to ₹9,000 in welcome vouchers + 4,000 Reward Points on ₹4 Lakh spend
Lounge
4 Domestic/Qtr + 2 International/yr (₹75K Spend)
Our Expert Take
The ICICI Bank Sapphiro Credit Card from ICICI Bank offers Luxury Gemstone Privileges & BOGO Movies with an annual fee of ₹6,500 + Taxes.
Reward limits
Checked 28 Sep 2026 · Bank terms
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2 points per ₹100 domestic, 4 international; 1 on utilities and insurance
No published limit
-
Milestone bonus points
Max 20,000 points per anniversary year
No rewards on: Fuel, rent, government, EMI, cash advances; utilities and insurance earn at a reduced rate
Pros & Cons
Key Advantages
- Complimentary golf: 1 round per ₹50,000 monthly spend, up to 48 rounds/year
- 4 domestic lounge visits/quarter + 2 international visits/year
- Up to ₹9,000 in welcome vouchers on joining
- Fee waiver threshold (Annual fee waived on ₹6 Lakh annual retail spends)
Limitations
- Lounge access requires ₹75,000 spend in the preceding quarter
- Reward points redeem at a modest ₹0.25 per point
- ₹6,500 joining fee is high relative to the ₹3,500 renewal fee
Key Perks & Spending Milestones
2 Reward Points per ₹100 on domestic spends, 4 points per ₹100 on international spends
4 complimentary domestic lounge visits per quarter + 2 international visits per year, conditional on ₹75,000 spend in the preceding quarter
1 complimentary golf round per ₹50,000 monthly spend, up to 48 rounds per year
Reward points redeem at ₹0.25 per point
Transportation spends (rail, bus, metro) earn rewards only up to ₹20,000/month, revised 2026
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Spend milestone
Annual fee waived on ₹6 Lakh annual retail spends
Fees & Charges
Joining fee
₹6,500 + Taxes
Annual fee
₹3,500 + Taxes
Annual fee waived on ₹6 Lakh annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Credit score & income
Good (730+)
Frequently Asked Questions
What's the reward rate on ICICI Sapphiro?
How many lounge visits does Sapphiro offer?
Did Sapphiro's rewards change in 2026?
What golf benefit does Sapphiro offer?
Compare ICICI Bank Sapphiro Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| ICICI Bank Sapphiro Credit Card This Card | ₹3,500 + Taxes | 2 Reward Points per ₹100 on domestic spends; 4 points per ₹100 on... | 4 Domestic/Qtr + 2 International/yr (₹75K Spend) | 4.7/5 |
| Axis Bank Reserve Credit Card | ₹50,000 + Taxes | 15 EDGE points per ₹200 domestic spend; 30 EDGE points per ₹200... | Unlimited + 12 Guest Visits/yr | 4.9/5 |
| IDFC FIRST Diamond Reserve Credit Card | ₹3,000 + Taxes | Up to 60 points per ₹150 on hotel bookings (10% value-back) and 40... | 8 Domestic + 8 International/yr (₹20K Spend) | 4.9/5 |
| SBI Aurum Card | ₹9,999 + Taxes | 4 Reward Points per ₹100 on all spends (1% base); up to 3.7%... | 4 Domestic/Qtr + Unlimited International | 4.8/5 |