ICICI Bank Sapphiro Premium Credit Card

The ICICI Bank Sapphiro Credit Card is a premium credit card available in Mastercard and Visa variants. It's great for people who travel both within the country and internationally. The card comes with exclusive benefits like free Dragon Pass Membership, golf privileges, access to Visa lounges, and more. Learn more about the features, benefits, fees, charges, and eligibility requirements.

Key Highlights of ICICI Bank Sapphiro Credit Card

ICICI Bank Sapphiro Credit Card
Joining Fee Rs. 6,500
Annual Fee Rs. 3,500 (waived off on spending more than Rs. 6 lakh in the previous year)
Best Suited For Travel and Shopping
Minimum Income Required
  • Rs. 80,000 per month (For Salaried)
  • Rs. 83,333 per month (For Self-Employed)
Welcome Benefits Welcome Vouchers on Shopping and Travel worth Rs 9,000+ on payment of the joining fee
Best Features Buy one movie ticket and get up to Rs. 500 off on the second ticket, twice every month via BookMyShow.

Suggested Read: ICICI Bank Credit Cards

With the ICICI Bank Sapphiro Credit Card, you get to enjoy the benefits of two cards in one account, providing convenience. Enjoy exclusive lifestyle benefits in areas such as travel, dining, entertainment, golf, and more.

Shopping and Travel vouchers worth Rs. 9,000+ as Welcome Gift

The card charges and annual fee of Rs. 3,500 which might seem too high for some of the users. But, they give you welcome vouchers worth Rs. 9000+, so it's like you're getting your money's worth. You get these vouchers from cool brands below. So, the fee doesn't seem too much when you see what you get in return.

Brand Voucher Amount
TataCliQ Rs. 3,000
EaseMyTrip Voucher Rs.4,000 (Four vouchers worth Rs. 1,000 each)
Uber Rs. 1,000 (Four vouchers worth Rs. 250 each)
Zomato Pro 12 Month Membership voucher worth Rs. 800
Croma Rs. 1,000

You can redeem the above mentioned vouchers within 45 days of paying the joining fees.

Up to 6 PAYBACK Points (Rewards) on every Rs. 100 spent

The ICICI Bank Sapphiro Credit Card provides attractive rewards for both your domestic and international expenditures. You can redeem your PAYBACK points form many of options, including movie and travel vouchers, lifestyle products, mobiles, appliances, and more. These points are earned according to the following scheme:

Category PAYBACK Points on ICICI Sapphiro Mastercard Credit Card (per Rs.100)
Domestic Spends 2
International Spends 4
Utilities and Insurance 1
On spends of Rs. 4 lakh in an anniversary year 4,000
Each time you cross Rs. 1 lakh spend thereafter in an anniversary year 2,000

Please take note of the New Milestone Rewards program, where you'll earn 4,000 PAYBACK Points when you spend Rs. 4 lakh on your card. Additionally, you'll receive 2,000 PAYBACK Points each time your spending crosses Rs. 1 lakh thereafter within the same anniversary year, with a maximum limit of 20,000 PAYBACK Points per year.

Complimentary Airport Lounge Access

This card offers four complimentary airport lounge accesses per quarter, with two accesses available on each variant. To access this facility in the following calendar quarter, a minimum spend of Rs 5,000 or more on the card during the current calendar quarter is required. Any visits beyond the allotted number of complimentary visits will incur charges according to the rates set by each lounge service provider.

For the list of applicable lounges, please call on 1800 102 6263/ 022-42006396 or Click here for a complete list of lounges.

Also read: Best Credit Cards with Airport Lounge Access

Dreamfolks Membership Programme

This is one of the best benefits of the card! With Dreamfolks Membership, you can chill out in over 450 comfy airport lounges in 115 countries worldwide. It doesn't matter what class or airline you're using, or if you're part of a frequent flyer club. You get to enjoy benefits like:

  • 2 free airport lounge visits abroad and 2 spa sessions at certain Indian airports each year with a free Dreamfolks membership.
  • Access exclusive deals on shopping, dining, and even limo services through the Dreamfolks app.
  • The USD 99 annual membership fee for the Dreamfolks Program is complimentary. You will need to pay for the lounge visit charges for visits done over and above the complimentary accesses.

Complimentary Rounds of Golf

As an ICICI Bank Sapphiro Credit Cardholder, you can enjoy a complimentary Golf Round or Lesson for every Rs. 50,000 spent on retail purchases in the previous calendar month, with a maximum of up to 4 rounds per month.

Here's how to make the most of this benefit:

  • Visit www.teetimes.golftripz.com and create a Golftripz account using the same email ID you've registered with ICICI Bank Credit Cards.
  • Your complimentary round of golf will be visible in your Golftripz account after the 10th day of the following month
  • You'll have the opportunity to play your complimentary round within the next 2 months.
  • Browse available tee time slots at your convenience and make your preferred booking, all of which can be tracked online.

If you require assistance with your online booking, you can also contact iAssist, the 24x7 concierge service, at 1800-26-70731 (toll-free for MTNL/BSNL lines) or 022-67872016 (standard call charges apply).

Entertainment Offer via BookMyShow

Buy one and get up to Rs. 500 off on the second ticket, twice every month via BookMyShow. To book your ticket and for detailed terms and conditions, click here.

Also read: Best Entertainment Credit Cards in India

Other Benefits of ICICI Bank Sapphiro Credit Card

Enjoy the following additional significant benefits with this card:

  • Minimum of 15% off on dining bills at participating restaurants.
  • Access to 24x7 premium concierge services, covering everything from travel bookings to delivering movie tickets to your doorstep. You can reach the i-Assist team at 1800 26 70731 (toll-free for MTNL/BSNL) or 022 6787 2016 (standard call charges apply).
  • Air accident insurance cover of Rs. 3 crore.
  • Lost card liability of Rs. 50,000, which includes losses up to 2 days prior to reporting the loss and 7 days post-reporting. (For detailed information on the insurance cover)
  • Enjoy a 1% waiver on fuel surcharge for transactions at any fuel outlet.

The fees and charges associated with the ICICI Bank Sapphiro Credit Card are as follows:

Fees / Charges Amount
Joining Fee Rs. 6,500
Annual Fee Rs. 3,500 (waived off on spending more than Rs. 6 lakh in the previous year)
Finance Charges 3.40% per month / 40.80% p.a.
Late Payment Charges** For Statement Balance
  • Below Rs. 100 – Nil
  • Between Rs. 100 to Rs. 500: Rs. 100
  • Between Rs. 501 to Rs. 5,000: Rs. 500
  • Between Rs. 5,001 to Rs. 10,000: Rs. 750
  • Between Rs. 10,001 to Rs. 25,000: Rs. 900
  • Between Rs. 25,001 to Rs. 50,000: Rs. 1,000
  • Above Rs. 50,000: Rs. 1,200

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To apply for the ICICI Bank Sapphiro Credit Card, applicants should meet the following eligibility criteria:

Criteria Details
Occupation Salaried and Self-employed
Minimum Income for Salaried Rs. 80,000 per month
Minimum Income for Self-employed Rs. 83,333 per month
Documents Required Click here for the list of acceptable documents
Serviceable Cities Click here for the list of eligible cities

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The ICICI Bank Sapphiro Credit Card is a great choice for frequent travelers, whether you're exploring within India or going abroad. With this card, you can enjoy up to 4 domestic airport lounge visits every quarter, along with 2 yearly spa visits at domestic airports. Plus, you get 2 international airport lounge visits annually.

What's unique about this card is that the Amex variant offers 50% more rewards compared to the Mastercard version. Instead of the usual Priority Pass offered by other credit card providers, this card opens doors to lounges not covered by the Priority Pass Program through its Dreamfolks Membership. And don't forget, you also have access to 2 spa sessions – a fantastic extra perk.

Should get this card if Should consider other options if
  • You are frequent domestic or international traveler
  • You would like to avail airport lounge access
  • You are ready to pay an annual fee of Rs. 3,500
  • You are a frequent users of these brands- TataCliQ, EaseMyTrip Voucher, Uber, Zomato and1860 120 7777 Croma
  • You are looking for a low annual fee credit card
  • You do not spend much on your credit card
  • You do not travel frequently
  • You are looking for a credit card with great entertainment & dining benefits

Here are some of the Best credit cards that provide benefits similar to the ICICI Bank Sapphiro Credit Card:

Credit Card Annual Fee Best For Key Feature
Air India SBI Signature Credit Card Rs. 4,999 Travel Rewards and Exclusive Benefits with Air India 30 reward points for every Rs. 100 spent on Air India ticket booking
Standard Chartered Emirates World Credit Card Rs. 3,000 Travel Rewards with Emirates, Lounge Access and Golf Privileges 5% cashback on duty free shopping and 6 Skyward miles on every Rs. 150 spent
HDFC Regalia Credit Card Rs. 2,500 International Airport Lounge Access Complimentary Priority Pass Membership and Club Vistara Silver Membership
SBI Elite Credit Card Rs. 4,999 Lounge Access, Movies and Dining Complimentary Priority Pass, Vistara Silver and Trident Privilege Red Tier Memberships

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1. How can I apply for ICICI Bank Sapphiro Credit Card?

You have two options to apply for this credit card: online and offline. Here's how:

Online: Visit the bank's official website and complete the online application form.

Offline: Head to your nearest bank branch and submit your application in person.

2. How much can I expect to save via ICICI Bank Sapphiro Credit Card?

You can enjoy savings of up to Rs. 1,95,030 through the rewards, complimentary memberships, and various benefits provided by The ICICI Bank Sapphiro Credit Card. Here are the details:

Feature Cost (Rs.)
DragonPass Membership Rs. 6,930
2 international airport lounges visits Rs. 3,000
2 spa sessions at airports in India Rs. 1,500
Free Mastercard Lounge Access Rs. 16,000
2 BookMyShow tickets per month Rs. 12,000
Access & golf rounds at golf courses (India/Abroad) Rs. 1,40,000
Rewards on annual spend of Rs 5.00 lakh on domestic purchases Rs. 3,500
Milestone rewards on spending Rs 10.00 lakh Rs. 4,000
1% fuel surcharge waiver Rs. 600
Total Savings 1,95,030

3. Which variant of ICICI Bank Sapphiro Credit Card should I apply for?

The two card variants are quite similar, with only a slight difference in the rewards. American Express cardholders earn 50% more reward points than Mastercard users. However, the Mastercard variant comes with additional offers.

4. How much time will it take for the delivery of redeemed items?

The redeemed items will reach you within 10 working days.

5. How can I redeem PAYBACK Points?

To turn your reward points into cash, simply call 080-40146444. The cash will be added to your credit card account within 7 business days.

If you'd like to redeem your points for items from the rewards catalog, get in touch with PAYBACK at 1860-258-5000. Alternatively, you can make an online redemption request on PAYBACK's website.

6. Can I make purchases online using my ICICI Bank Sapphiro Credit Card?

Absolutely, your ICICI Bank Sapphiro Credit Card is equipped for online purchases. You can confidently use it to shop on the websites of various domestic online retailers, and it's also accepted by select international retailers.

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You can access the following links to find detailed information and procedures related to managing your ICICI Bank Credit Card