ICICI Bank Emirates Sapphiro Credit Card
ICICI Bank
Annual / renewal fee
₹5,000 (2nd year onwards).
VerifiedMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – includes Emirates Skywards Sapphiro; also contains Key Fact Sheet (Section I)3 Aug 2026, 7:00 PM ISTICICI Bank
Earn rate
- Eligible Retail Spends earn 1.5 Skywards Miles per ₹100 spent (per product Terms).
- Zero miles on Fuel, Cash Advances, ATM Withdrawals, EMIs, Balance Transfer, Personal Loan on Credit Card, Fees and other charges, Insurance, Utility, Government, Education, rent, e-wallet loading.
Verifiedharvested from product page3 Aug 2026, 7:00 PM ISTICICI Bank
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at icici.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at icici.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
ICICI Bank Emirates Sapphiro Credit Card by ICICI Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹5,000 (first year).
VerifiedMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – includes Emirates Skywards Sapphiro; also contains Key Fact Sheet (Section I)3 Aug 2026, 7:00 PM ISTICICI Bank
Annual / renewal fee
₹5,000 (2nd year onwards).
VerifiedMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – includes Emirates Skywards Sapphiro; also contains Key Fact Sheet (Section I)3 Aug 2026, 7:00 PM ISTICICI Bank
Fee waiver
No Minimum Spends for Annual fee reversal are applicable for this card (Minimum Spends for Annual fee reversal shown as NA).
VerifiedMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – includes Emirates Skywards Sapphiro; also contains Key Fact Sheet (Section I)3 Aug 2026, 7:00 PM ISTICICI Bank
Renewal fee
- ₹5,000 per year (2nd year onwards).
- Supplementary/add-on card fee ₹199 (annual).
VerifiedMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – includes Emirates Skywards Sapphiro; also contains Key Fact Sheet (Section I)3 Aug 2026, 7:00 PM ISTICICI Bank
Rewards
- Eligible Retail Spends earn 1.5 Skywards Miles per ₹100 spent (per product Terms).
- Zero miles on Fuel, Cash Advances, ATM Withdrawals, EMIs, Balance Transfer, Personal Loan on Credit Card, Fees and other charges, Insurance, Utility, Government, Education, rent, e-wallet loading.
Verifiedharvested from product page3 Aug 2026, 7:00 PM IST
Redemption value
- Redemption Handling Fee plus GST charged on every redemption request for reward points: ICICI Bank Rewards Scheme ₹99.
- Reward points have expiry of 36 months from the date of issuance.
- Skywards Miles are valid for 3 years from the date of the relevant flight or transaction with a Partner.
VerifiedMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – includes Emirates Skywards Sapphiro; also contains Key Fact Sheet (Section I)3 Aug 2026, 7:00 PM ISTICICI Bank
Reward cap
- Reward Points accrued per statement cycle capped for certain MCCs: Utility Spend ₹80,000.
- Insurance Spend ₹80,000.
- Grocery & Departmental Spend ₹40,000.
- Transportation Transaction capped at ₹20,000 per statement cycle (w.e.f. Feb 01, 2026).
- Skywards Miles earnings are up to the credit limit assigned to the card for each statement cycle.
VerifiedMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – includes Emirates Skywards Sapphiro; also contains Key Fact Sheet (Section I)3 Aug 2026, 7:00 PM ISTICICI Bank
Reward exclusion
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Travel & lounge
Lounge access
- International: 2 complimentary accesses to international airport lounges (primary cardholder only).
- Complimentary Priority Pass Membership (applied on/after Nov 15, 2024) for access to 1,400+ lounges in 145+ countries.
- DreamFolks Membership (applied before Nov 15, 2024) for access to 650+ lounges in 100+ countries.
- Domestic: 2 complimentary lounge accesses per quarter by spending ₹75,000 in the preceding calendar quarter (unlocks access for subsequent calendar quarter).
Verifiedharvested from product page3 Aug 2026, 7:00 PM ISTICICI Bank
Travel benefit
Up to 10% off on Emirates flight bookings using promo code INICI26 on Emirates website/mobile app (Emirates ICICI Co-Brand Credit Cards), for bookings made between 15 April 2026 and 28 February 2027, valid for travel originating from India, on all available fares except special fares.
Verifiedharvested from product page3 Aug 2026, 7:00 PM ISTICICI Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
- Joining benefits (subject to payment of Joining Fee): 5,000 Skywards Miles and complimentary Emirates Skywards Silver Tier membership.
- Additionally, bonus 5,000 Skywards Miles as Joining and Annual Benefit (Annual Benefit subject to ₹5 lakh spends in the previous year).
Verifiedharvested from product page3 Aug 2026, 7:00 PM ISTICICI Bank
Insurance
- ICICI Bank offers free insurance cover on certain cards through a tie-up with ICICI Lombard General Insurance Company Limited.
- Insurer is ICICI Lombard General Insurance Co. Ltd. (Toll-Free 1800-2666).
- Refer to the Comprehensive Insurance Cover terms.
VerifiedMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – includes Emirates Skywards Sapphiro; also contains Key Fact Sheet (Section I)3 Aug 2026, 7:00 PM ISTICICI Bank
Milestone benefit
- Emirates Skywards Gold tier membership on achieving annual spends milestone of ₹15 lakh, of which ₹50,000 must be spent with Emirates on flights booked via emirates.com or Emirates Contact Centre within the anniversary year.
- Gold Tier active upon payment of annual fee in the subsequent year (per Sapphiro upcoming changes: milestone tier upgrade upon crossing qualifying retail spend threshold).
- Note: the ₹15 lakh / ₹50,000 Gold-tier milestone is stated for the Emeralde variant in MITC.
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Eligibility
Eligibility
- Card issued solely for personal use.
- Supplementary cards available.
- Cardholders not an existing Emirates Skywards Member are automatically enrolled into the Emirates Skywards Loyalty Programme.
Verifiedharvested from product page3 Aug 2026, 7:00 PM ISTICICI Bank
Charges & interest
Forex markup
Mark-up of 3.50% on foreign currency transactions (a refund initiated by the customer on similar Foreign Currency transactions will also attract a 3.5% Mark-up fee).
VerifiedMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – includes Emirates Skywards Sapphiro; also contains Key Fact Sheet (Section I)3 Aug 2026, 7:00 PM ISTICICI Bank
Charge
- Finance charges 3.75% per month (45% p.a.) on retail and cash advances (w.e.f. Nov 15, 2024).
- Cash advance transaction fee 2.5% of advanced amount, min ₹500.
- Card replacement fee ₹200 (w.e.f. Jul 1, 2024; earlier ₹100).
- Add-on/supplementary card fee ₹199 (annual).
- Dynamic Currency Conversion fee 3.5% (w.e.f. Jan 15, 2026; earlier 1%) on Indian currency transactions at international locations/foreign-registered merchants in India.
- Rent Pay 1% (MCC 6513).
- Fuel transaction 1% on transactions above ₹10,000.
- Utility transaction 1% on transactions above ₹50,000.
- Transportation transaction 1% on transactions above ₹50,000 (w.e.f. Jan 15, 2026).
- Education payment 1% via third-party apps.
- Skill-Based Gaming 2% (w.e.f. Jan 15, 2026, MCC 5816).
- Wallet Load 1% on transactions of ₹5,000 or more (w.e.f. Jan 15, 2026).
- Over-limit charge 2.50% of over-limit amount (min ₹550).
- Fee on cash payment at branches ₹150 per transaction (w.e.f. Jan 15, 2026; earlier ₹100).
- Late payment charges slab: <₹100 None.
- ₹100-500 ₹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.
- >₹50,000 ₹1,300.
- Return of cheque / Auto-Debit return fee 2% of TAD (min ₹500) plus ₹50 + GST.
- GST 18%.
VerifiedMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – includes Emirates Skywards Sapphiro; also contains Key Fact Sheet (Section I)3 Aug 2026, 7:00 PM ISTICICI Bank
Fuel surcharge waiver
- Fuel surcharge waiver of 1% of transaction value on HPCL petrol pumps (valid on max transaction of ₹4,000, paid via ICICI Merchant Services swipe machines) and 1% on all petrol pumps on select cards.
- Fuel surcharge waiver applicable for spends up to ₹50,000 per statement cycle.
VerifiedMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – includes Emirates Skywards Sapphiro; also contains Key Fact Sheet (Section I)3 Aug 2026, 7:00 PM ISTICICI Bank
Interest-free period
- Interest-free period could range from 18 to 48 days.
- Grace period of 3 days after the payment due date.
VerifiedMITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – includes Emirates Skywards Sapphiro; also contains Key Fact Sheet (Section I)3 Aug 2026, 7:00 PM ISTICICI Bank
Transfers
Transfer partner
Airlines (1)
- 15100:1
Emirates
Emirates Skywards
Verifiedharvested from product page3 Aug 2026, 7:00 PM ISTICICI Bank
Transfer rule
- Skywards Miles are credited to the Primary cardholder's Emirates Skywards membership account within 48 hours of the statement generation date.
- Supplementary cardholder miles also credit to the Primary Cardholder's account.
- Skywards Miles are valid for 3 years from the date of the relevant flight or Partner transaction, and can be redeemed for flights, upgrades, hotel stays and more with Emirates and its partners.
Verifiedharvested from product page3 Aug 2026, 7:00 PM ISTICICI Bank
Common questions
What is the annual fee on the ICICI Bank Emirates Sapphiro Credit Card?
Officially traced: Rs. 5,000 (2nd year onwards).
MITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – includes Emirates Skywards Sapphiro; also contains Key Fact Sheet (Section I)What is the joining fee on the ICICI Bank Emirates Sapphiro Credit Card?
Officially traced: Rs. 5,000 (first year).
MITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – includes Emirates Skywards Sapphiro; also contains Key Fact Sheet (Section I)Is the ICICI Bank Emirates Sapphiro Credit Card annual fee ever waived?
No Minimum Spends for Annual fee reversal are applicable for this card (Minimum Spends for Annual fee reversal shown as NA).
MITC (Most Important Terms & Conditions) for ICICI Bank Credit Cards – includes Emirates Skywards Sapphiro; also contains Key Fact Sheet (Section I)How does the ICICI Bank Emirates Sapphiro Credit Card earn rewards?
Eligible Retail Spends earn 1.5 Skywards Miles per Rs. 100 spent (per product Terms).
harvested from product pageWhat lounge access does the ICICI Bank Emirates Sapphiro Credit Card include?
International: 2 complimentary accesses to international airport lounges (primary cardholder only).
harvested from product pageWhat welcome benefit does the ICICI Bank Emirates Sapphiro Credit Card offer?
Joining benefits (subject to payment of Joining Fee): 5,000 Skywards Miles and complimentary Emirates Skywards Silver Tier membership.
harvested from product pageWhat are the transfer ratios for ICICI Bank Emirates Sapphiro Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.icici.bank.in/personal-banking/cards/credit-card/emirates-skywards/emirates-sapphiro.
Verifiedharvested from product page3 Aug 2026, 7:00 PM ISTICICI Bank
Verified 2026-08-03 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.