ICICI Bank Sapphiro Credit Card
ICICI Bank
Annual / renewal fee
- ₹3,500 (2nd year onwards).
- 1st year annual fee Nil.
VerifiedMITC (Most Important Terms & Conditions) – All ICICI Bank Credit Cards incl. Sapphiro – Latest (Jul 2026) [icicibank.com]3 Aug 2026, 6:35 PM ISTICICI Bank
Earn rate
- 2 reward points per ₹100 on domestic spends.
- 4 reward points per ₹100 on international spends.
- 1 reward point per ₹100 on utilities and insurance.
VerifiedICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in]3 Aug 2026, 6:35 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 Sapphiro Credit Card by ICICI Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
- ₹6,500 (first year).
- ₹6,500 + GST.
VerifiedMITC (Most Important Terms & Conditions) – All ICICI Bank Credit Cards incl. Sapphiro – Latest (Jul 2026) [icicibank.com]3 Aug 2026, 6:35 PM ISTICICI Bank
Annual / renewal fee
- ₹3,500 (2nd year onwards).
- 1st year annual fee Nil.
VerifiedMITC (Most Important Terms & Conditions) – All ICICI Bank Credit Cards incl. Sapphiro – Latest (Jul 2026) [icicibank.com]3 Aug 2026, 6:35 PM ISTICICI Bank
Fee waiver
Annual fee for the subsequent year is reversed if total spends are ₹6,00,000 or more during an anniversary year (excludes EMI transactions; excludes rent, government and education payments w.e.f. Nov 15, 2024).
VerifiedICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in]3 Aug 2026, 6:35 PM ISTICICI Bank
Rewards
- 2 reward points per ₹100 on domestic spends.
- 4 reward points per ₹100 on international spends.
- 1 reward point per ₹100 on utilities and insurance.
VerifiedICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in]3 Aug 2026, 6:35 PM IST
Redemption value
- Redemption Handling Fee ₹99 per redemption request (ICICI Bank Rewards Scheme).
- For ICICI Bank Rewards powered scheme: catalogue-based redemptions ₹99 and online/in-store redemptions at Online Partner Brands ₹25.
- Reward points expire 36 months from date of issuance.
VerifiedMITC (Most Important Terms & Conditions) – All ICICI Bank Credit Cards incl. Sapphiro – Latest (Jul 2026) [icicibank.com]3 Aug 2026, 6:35 PM ISTICICI Bank
Reward cap
- Reward points accrued per statement cycle capped for Sapphiro: Utility spend ₹80,000.
- Insurance spend ₹80,000.
- Grocery and Departmental spend ₹40,000 (w.e.f. Nov 15, 2024).
- Transportation transaction capped at ₹20,000 per statement cycle (w.e.f. Feb 01, 2026).
Verifiedharvested from product page3 Aug 2026, 6:35 PM ISTICICI Bank
Reward exclusion
VerifiedICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in]3 Aug 2026, 6:35 PM ISTICICI Bank
Travel & lounge
Lounge access
- International: 2 complimentary accesses to select international airport lounges per year via Priority Pass membership (available to primary and supplementary cardmembers).
- Domestic: complimentary domestic airport lounge access on spends of ₹75,000 in the previous calendar quarter.
- Sapphiro is eligible for 4 complimentary domestic lounge accesses per quarter (Sapphiro Visa/dual card).
- Lounge access valid up to 3 hours per visit.
- ₹2 authorisation amount on VISA/Mastercard/RuPay and Re. 1 on AMEX.
VerifiedICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in]3 Aug 2026, 6:35 PM ISTICICI Bank
Travel benefit
- International travel insurance cover applicable only for international travel when tickets are purchased using the ICICI Bank Sapphiro Credit Card (covers loss of travel documents, checked-in baggage, flight delay, plane hijacking and trans-shipment).
- Insurance applies only when the card is used at least once in the last 60 days.
VerifiedICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in]3 Aug 2026, 6:35 PM ISTICICI Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
- Welcome vouchers worth ₹13,000 on shopping and travel upon payment of the joining fee.
- Basket includes: Tata CliQ voucher ₹3,000.
- EaseMyTrip vouchers ₹4,000 (four vouchers of ₹1,000 each).
- Croma vouchers ₹1,500 (three of ₹500 each, valid on purchase of ₹5,000 or above).
- Da Milano coupon ₹5,000 (on purchase of ₹19,999 and above).
- And EazyDiner 3 Month Prime Membership.
VerifiedICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in]3 Aug 2026, 6:35 PM ISTICICI Bank
Concierge
24x7 concierge services for business lunches, gifting, last-minute restaurant reservations and other lifestyle needs.
VerifiedICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in]3 Aug 2026, 6:35 PM ISTICICI Bank
Dining benefit
- EazyDiner 3-month Prime Membership provided as part of welcome benefits.
- Prime deals offer a minimum of 25% discount at Prime-enabled restaurants and 1+1 deals for a minimum of 2 guests dining.
VerifiedICICI Bank Sapphiro Credit Card product page3 Aug 2026, 6:35 PM ISTICICI Bank
Golf benefit
- One round/lesson of golf every month for every ₹50,000 spent on the card in the previous calendar month, up to a maximum of 4 rounds/lessons per month.
- Access to over 100 golf courses in India and abroad.
VerifiedICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in]3 Aug 2026, 6:35 PM ISTICICI Bank
Insurance
- Comprehensive insurance cover including Personal Accident Insurance (Air) ₹3 crore.
- Credit Shield ₹50,000.
- Baggage insurance up to ₹25,000.
- Loss of travel documents USD 500.
- Loss of checked-in baggage USD 1200.
- Delay in receipt of checked-in baggage USD 300 (in excess of 12 hours).
- Missing flight due to trans-shipment USD 300.
- Plane hijacking USD 250 per hour up to 12 hours.
- Delay in flight USD 250 (in excess of 12 hours).
- Lost Card Liability ₹50,000 (2 days pre-reporting and 7 days post-reporting).
- Benefits apply only if card used at least once in last 60 days.
- Available on Primary Card only.
VerifiedICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in]3 Aug 2026, 6:35 PM ISTICICI Bank
Milestone benefit
- Buy one, get one free movie and event ticket at BookMyShow, up to 2 spend-based tickets per month, second ticket not exceeding ₹500 each.
- Requires spending a minimum of ₹5,000 or above during the same period.
- (Revised w.e.f. Jan 15, 2026: BookMyShow offer available on spending ₹25,000 or more in the preceding quarter.).
VerifiedICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in]3 Aug 2026, 6:35 PM ISTICICI Bank
Eligibility
Eligibility
Supplementary cards can be shared with family members - up to two supplementary cards for parents, spouse, children or siblings above the age of 18 years.
VerifiedICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in]3 Aug 2026, 6:35 PM ISTICICI Bank
Charges & interest
Forex markup
- Foreign currency transaction mark-up of 3.50%.
- A refund initiated on similar foreign currency transactions also attracts a 3.5% mark-up fee.
VerifiedMITC (Most Important Terms & Conditions) – All ICICI Bank Credit Cards incl. Sapphiro – Latest (Jul 2026) [icicibank.com]3 Aug 2026, 6:35 PM ISTICICI Bank
Charge
- Finance charge on revolving credit and cash advances 3.75% per month (45% p.a.) w.e.f. Nov 15, 2024.
- Cash advance transaction fee 2.5% of advanced amount, min ₹500.
- Card replacement fee ₹100 (₹200 w.e.f. July 1, 2024).
- Dynamic Currency Conversion fee 1% (3.5% w.e.f. Jan 15, 2026).
- Rent Pay 1% (MCC 6513).
- Fuel transaction fee 1% on transactions exceeding ₹10,000 (w.e.f. Nov 15, 2024).
- Utility transaction fee 1% on transactions exceeding ₹50,000 (w.e.f. Nov 15, 2024).
- Transportation transaction fee 1% exceeding ₹50,000 (w.e.f. Jan 15, 2026).
- Education payment fee 1% via third-party apps (w.e.f. Nov 15, 2024).
- Skill-based gaming fee 2% (w.e.f. Jan 15, 2026).
- Wallet load fee 1% on loads of ₹5,000 or more (w.e.f. Jan 15, 2026).
- Over-limit charge 2.5% (min ₹550).
- Fee on cash payment at branches ₹100 (₹150 w.e.f. Jan 15, 2026).
- Late payment charges: none below ₹100.
- ₹100 (₹100-500).
- ₹500 (₹501-1,000).
- ₹600 (₹1,001-5,000).
- ₹750 (₹5,001-10,000).
- ₹900 (₹10,001-25,000).
- ₹1,100 (₹25,001-50,000).
- ₹1,300 (above ₹50,000).
- Return of cheque / Auto-debit return fee 2% of TAD (min ₹500) plus ₹50 + GST.
- Add-on/Supplementary card fee ₹199 annual (w.e.f. Nov 15, 2024).
VerifiedMITC (Most Important Terms & Conditions) – All ICICI Bank Credit Cards incl. Sapphiro – Latest (Jul 2026) [icicibank.com]3 Aug 2026, 6:35 PM ISTICICI Bank
Fuel surcharge waiver
- Fuel surcharge waiver of 1% of transaction value across all pumps, up to a transaction value of ₹4,000.
- Waiver applicable for spends up to ₹50,000 per statement cycle (w.e.f. Nov 15, 2024).
VerifiedICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in]3 Aug 2026, 6:35 PM ISTICICI Bank
Interest-free period
- Interest-free period could range from 18 to 48 days.
- A 3-day grace period is given after the payment due date.
VerifiedMITC (Most Important Terms & Conditions) – All ICICI Bank Credit Cards incl. Sapphiro – Latest (Jul 2026) [icicibank.com]3 Aug 2026, 6:35 PM ISTICICI Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the ICICI Bank Sapphiro Credit Card?
Officially traced: Rs. 3,500 (2nd year onwards).
MITC (Most Important Terms & Conditions) – All ICICI Bank Credit Cards incl. Sapphiro – Latest (Jul 2026) [icicibank.com]What is the joining fee on the ICICI Bank Sapphiro Credit Card?
Officially traced: Rs. 6,500 (first year).
MITC (Most Important Terms & Conditions) – All ICICI Bank Credit Cards incl. Sapphiro – Latest (Jul 2026) [icicibank.com]Is the ICICI Bank Sapphiro Credit Card annual fee ever waived?
Annual fee for the subsequent year is reversed if total spends are Rs. 6,00,000 or more during an anniversary year (excludes EMI transactions; excludes rent, government and education payments w.e.f.
ICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in]How does the ICICI Bank Sapphiro Credit Card earn rewards?
2 reward points per Rs. 100 on domestic spends.
ICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in]What lounge access does the ICICI Bank Sapphiro Credit Card include?
International: 2 complimentary accesses to select international airport lounges per year via Priority Pass membership (available to primary and supplementary cardmembers).
ICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in]What welcome benefit does the ICICI Bank Sapphiro Credit Card offer?
Welcome vouchers worth Rs. 13,000 on shopping and travel upon payment of the joining fee.
ICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in]What are the transfer ratios for ICICI Bank 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
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.