ICICI Bank Emirates Sapphiro Credit Card

Annual feeJoining fee

₹5,000 + GST

Add-on card fee

₹199.

Welcome benefit

Get 5,000 Skywards Miles and Emirates Skywards Silver Tier Membership.

Reward rate

Emirates Skywards: 1.5 miles per ₹100 spent on international and domestic spend.

Reward earning on international spends

Earn 1.5 Skyward Miles per ₹100 spent on eligible domestic and international retail spends.

Reward exclusions

No Miles on Insurance, Utility, Government & Education payments; no reward points on Cash, Rent, E-Wallet Reload and Fuel.

Flight redemption

Miles can be redeemed for flights, upgrades and more with Emirates and its partners.

Hotel redemption

Miles can be redeemed for hotel stays with Emirates and its partners.

Point expiry

Valid for a period of three years from the date on which a Member undertakes the relevant flight or enters into the applicable transaction with a Partner.

International lounge access

Get 2 complimentary International airport lounge access annually, for the Primary Cardholders.

Domestic lounge access

Spend ₹75,000 or more in a spend quarter to avail the 2 lounge access benefit in the following calendar quarter.

Priority Pass

Complimentary Priority Pass Membership for the primary cardholder.

Hotel or travel programme

Get upto 10% Discount on Emirates flight bookings using the promo code INICI26 via Emirates.com

Renewal benefit

Get 5000 Skywards Miles on annual renewal.

Benefit given each anniversary year

Annual Benefit on renewal: 5,000 Skyward Miles.

Membership tiers and what unlocks them

Complimentary Emirates Skywards silver tier membership for the Primary Cardholder, subject to the payment of Joining Fee

Movie or entertainment ticket benefit

Buy One Get One on BookMyShow up to ₹500 off twice a month, on eligible spendings of ₹25,000 or more in the preceding spends quarter

Retention or continued-access criteria

To retain the Silver Tier status in subsequent years, an annual spend of ₹5 lakh is required.

Fuel surcharge waiver

Fuel purchases between ₹400 and ₹4,000 get a 1% surcharge waiver.

Surcharge on railway tickets

1.80% of transaction value for Internet transactions and 2.50% for other bookings. For cards on American Express network: 1.80% of transaction value or ₹10 whichever is higher

Forex markup

3.50% on foreign currency transactions.

Dynamic currency conversion markup

3.5%3.5% Dynamic Currency Conversion fee on all transactions conducted in Indian currency at international locations or transactions carried out in Indian currency at merchants located in India but registered in a foreign nation (Charges w.e.f. Jan 15, 2026)

Cash advance fee

2.5% on advanced amount, subject to minimum of ₹500

Cash withdrawal limit

The Credit Limit and Cash Withdrawal Limit are communicated at the time of delivery of the Card and are indicated in the monthly statements.

Interest on unpaid balance

3.75% interest per month

Interest-free period

18 to 48 days interest-free when you pay in full.

Late payment fee

Ranging from ₹100 to ₹1,300.

Over-limit fee

2.50% of the over-limit amount, subject to a minimum of ₹550

Payment return or dishonour fee

Return of cheque or Auto-Debit return: 2% of Total Amount Due (Min. ₹500)

Card replacement fee

₹200 for all cards with effect from July 1, 2024. Exception: ₹3500 for Emeralde Private Metal Credit Card and Times Black ICICI Bank Credit Card; ₹5000 for 1838 Reserve ICICI Bank Credit Card

Cash payment / cash deposit fee

A fee of ₹150 per payment transaction w.e.f. Jan 15, 2026 on cash deposited at any of the branches of ICICI Bank towards the Card payment

Education / school fee charge

A fee of 1% of the transaction amount for education payments made through third-party apps (w.e.f. Nov 15, 2024)

EMI conversion fee

Processing fee of 2.99%, capped at a maximum of ₹299 + 18% GST on all Instant EMI transactions with effect from Sep 01, 2025; processing fee of up to 2% of the transaction value on all EMI on Call transactions

Fee on online skill-based gaming spends

A fee of 2% of the transaction amount for skill-based gaming transactions (w.e.f. Jan 15, 2026)

Wallet load charge

A fee of 1% of the transaction amount for wallet load transactions of ₹5,000 or more (w.e.f. Jan 15, 2026)

What the card's fee or benefit year means

For the 2nd year, the spends are considered from the 1st anniversary date till the 2nd anniversary date of the Card and so on

Fuel transaction fee

A fee of 1% of the transaction amount for fuel transactions exceeding ₹10,000 (w.e.f. Nov 15, 2024)

Rent transaction fee

1% fee on transaction amount (Merchant Category Code: 6513)

Utility transaction fee

A fee of 1% of the transaction amount for utility payment transactions exceeding ₹50,000 (w.e.f. Nov 15, 2024)

GST note

GST may be applicable from time-to-time; presently the GST rate for banking and financial services is at 18% applicable on all fees, interest, surcharge and other charges

Grace days after the due date

Late Payment Charges will be applicable if the Minimum Amount Due is not paid by the payment due date (grace period of 3 days)

Minimum amount due

5% of the outstanding amount or such other amount as may be determined by ICICI Bank at its sole discretion.

Income requirement

Salaried: monthly income of ₹1,50,000; Self-employed: annual income of at least ₹18,00,000.

Minimum age

An Indian citizen over 21 years of age.