ICICI Bank Sapphiro Credit Card is the second most premium card offered by the bank, just after the ICICI Emeralde Credit Card. The Sapphiro is issued with a yearly fee of Rs. 6,500, and you can enjoy an array of privileges, attractive offers, and user-friendly features. The card comes in three variants – the ICICI Bank Sapphiro AmEx Credit Card, the ICICI Bank Sapphiro Visa Credit Card, and the Mastercard variant. However, only the Visa variant is currently being issued. The card is not only best for frequent travelers but also for people who aim to have a card with maximum saving opportunities, entertainment benefits, and many other advantages.
With exclusive welcome benefits worth more than the joining fee, ICICI Bank aims to give a great start to your journey with this card. You get rewarded for almost every purchase you make using your ICICI credit card. Earlier, the cardholders were rewarded with Payback Points, but now the bank has replaced the Payback Program with the ICICI Rewards program, and hence, the cardholders will now earn ICICI Reward Points. Be it domestic/international purchases, utility bill payments, fuel purchases, or anything else, you will save every time you spend. The Sapphiro credit card has a number of exciting features that you must know. Read on to get detailed information about the card:
ICICI Bank Sapphiro Credit Card
Fees
Joining Fee
Renewal Fee
Best Suited For
Travel | Shopping |
Reward Type
Reward Points
Welcome Benefits
Movie & Dining
Get Rs. 500 off on the second movie or event ticket when you buy one ticket from Book My Show.
Rewards Rate
On every Rs. 100 spent, get 4 Reward Points per Rs. 100 spent on international purchases & 2 Reward Points on domestic purchases.
Reward Redemption
Redeem reward points earned for cash back or gifts at a rate of 1 RP = Re. 0.25.
Travel
Complimentary Domestic & International Airport Lounge visits and complimentary Spa Sessions at select Domestic airports under the Dreamfolks Membership Programme.
Golf
Complimentary golf rounds/lessons every quarter
Domestic Lounge Access
2 complimentary domestic lounge visits with the MasterCard & Amex variant each, and 4 complimentary domestic lounge access with the Visa variant.
International Lounge Access
2 complimentary International Airport Lounge Access every year through the Dreamfolks membership.
Insurance Benefits
Air accident insurance (worth Rs 3 crores), Credit Shield Cover worth Rs 50,000 and other travel-related Insurance Covers.
Zero Liability Protection
Lost card liability (worth Rs. 50,000) is applicable from 2 days prior to reporting and till 7 days after reporting the loss to the ICICI Bank.
Spend Based Waiver
Renewal fee waiver on spending Rs 6 Lakhs annualy.
Rewards Redemption Fee
Rs. 99 (plus applicable taxes) per redemption request
Rewards Redemption Fee
Rs. 99 (plus applicable taxes) per redemption request
Foreign Currency Markup
3.50% of the total transaction value.
Interest Rates
3.4% per month (or 40.8% per annum)
Fuel Surcharge
1% of Fuel Surcharge Waiver (Maximum Rs 250 per billing cycle) at all fuel stations in India.
Cash Advance Charges
2.5% of the total transaction amount (minimum Rs. 300)
Add-on Card Fee
Nil
- Joining benefits worth more than Rs. 9,000.
- An opportunity to earn extra Rs. 750 cashback as a welcome gift through the AmEx variant.
- Earn up to 4 Reward Points for every Rs 100 you spend on international purchases & 2 Reward Points per Rs 100 you spend on domestic purchases.
- 1 Reward Points for every Rs. 100 you incur on insurance and utility categories.
- Up to 20,000 bonus Reward Points every year under Milestone Reward Program.
- (Buy 1 Get 1 Free Offer) BOGO on movie tickets on BookMyShow.
- Get complimentary Lounge Access within and outside India, and complimentary spa sessions at selected domestic airports.
- Complimentary golf sessions up to 4 times a month at some of the finest golf courses across the globe with ICICI Sapphiro Credit Card.
ICICI Sapphiro Credit Card Features & Benefits
The Sapphiro Credit Card by ICICI Bank comes with a host of benefits in various categories, including reward programs, travel, airport lounge access, entertainment, dining, and many more. To understand all its benefits in detail, go through the information provided below:
Welcome Benefits
- You get complimentary gift vouchers/loyalty program membership as a joining benefit within 45 days of realizing your membership of the card. The following table summarizes the joining benefits that you get with your ICICI Emeralde Credit Card-
Gift Voucher/Membership | Worth of Voucher/Membership |
Tata CliQ Voucher | Rs. 3,000 |
Croma Voucher | Rs. 1,000 |
EaseMyTrip Voucher | Rs. 4,000 |
Uber Voucher | Rs. 1,000 |
Zomato Pro Membership | Rs. 800 |
- Apart from this, with the American Express variant of the card, you can fetch a cashback worth Rs. 750 on spending a minimum of Rs. 20,000 within 60 days of card issuance.
Milestone Benefits
With the ICICI Bank Sapphiro Card, you earn 4,000 Reward points on spending Rs 4 lakhs in an anniversary year, and after that, you get 2,000 RPs every time you spend Rs. 1 lakh with your card. You can earn a maximum of 20,000 Points per anniversary year under the Milestone Reward Program.
Travel Benefits
ICICI Bank Sapphiro Credit Card entitles you to complimentary visits at domestic and international airport lounges with the Visa/MasterCard/American Express lounge access program and Dreamfolks lounge access program.
Visa/MasterCard/AmEx Airport Lounge Access Program
- You get four complimentary access to select partner domestic airport lounges with your ICICI Bank Sapphiro Credit Card under the Visa/MasterCard/AmEx lounge access program.
- The four complimentary domestic lounge access benefits are applicable only if you manage to spend Rs. 5,000 with the card in the preceding quarter.
- You can find the list of the partner airport lounges in India here.
Dreamfolks Lounge Access Program
- You get two complimentary international lounge access every year at partner lounges across the world, along with two complimentary spa sessions at select airports with a complimentary Dreamfolks lounge access program membership worth USD 99.
- The lounge visits are complimentary only for the primary cardholder. Any accompanying guest (including any of the add-on cardholders) will have to pay.
- You can find the list of partner lounges under the Dreamfolks lounge access program here.
Movie & Dining
- Get one movie ticket free every time you buy one ticket via BookMyShow.
- The complimentary movie ticket price should be below Rs. 500, and the offer can be availed two times a month.
- ICICI Bank Sapphiro Credit Card allows you to enjoy your favorite delicacies by availing of exclusive offers and benefits with the ICICI Bank Culinary Treats Programme.
Golf Benefits
- ICICI Bank Sapphiro Credit Card entitles you to 1 complimentary golf round/lesson at some of the most premium golf courses in the country per Rs. 50,000 spent in the preceding quarter. Golftripz provides this golf benefit.
- A maximum of 4 complimentary golf rounds/lessons can be availed in a given quarter.
- Cardholders must register their credit cards on the official Golftripz website to avail of the golf benefit.
- The complimentary rounds/lessons of golf are visible in the Golftripz account only after the 10th of the next month. These complimentary golf games are available to be played anytime in the next two months.
- You can find the list of all the partner golf courses here.
Insurance Benefits
Following are the insurance benefits associated with the ICICI Bank Sapphiro credit card:
Insurance | Coverage |
Personal Air Accident | Rs 3 Crore |
Baggage insurance | Up to Rs 25,000 |
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 |
Loss of travel documents | USD 500 |
Delay in flight | USD 250 (in excess of 12 hours) |
Plane hijacking | USD 250 Per Hour (up to max 12 Hrs.) |
Concierge Service
ICICI Bank Sapphiro Credit Card offers 24×7 concierge services and assistance regarding:
- Flight referral and reservation.
- Hotel and restaurant reservations.
- Flowers and gifts.
- Booking and delivery of movie tickets.
- Medical Concierge services.
ICICI Bank Sapphiro Credit Card Rewards
- With the ICICI Bank Sapphiro Visa Credit Card, you can earn 4 Reward Points every time you spend Rs. 100 on international transactions.
- You earn 2 Reward Points per Rs. 100 spent on domestic purchases.
- You can also get 1 Reward point per Rs 100 spent on Utilities, Insurance, and fuel categories.
Reward Redemption
With ICICI Bank Sapphiro Credit Card, you can redeem your earned reward points against your card’s statement balance or purchase gifts as follows:
- To redeem your Reward Points against cash, make a call at 080-40146444. Your points will be credited as cash credit into your account within 7 days from the redemption request.
- For redemption against gifts, call on 1860-258-5000. The gift of your choice will be sent to you within 10 working days.
ICICI Sapphiro Credit Card Fees & Charges
- The joining fee for the ICICI Bank Sapphiro Card is Rs. 6,500, and an annual fee of Rs. 3, 500 from the second year.
- The interest rate applicable with the card is 3.4% per month (40.8% annually).
- If you withdraw cash using your ICICI Bank Sapphiro Credit Card, you have to pay a cash advance fee of 2.5% or Rs. 500 (whichever is lower).
- For transactions in foreign currency, a forex markup fee of 3.5% is charged.
ICICI Sapphiro Card Eligibility Criteria
Particular | Criteria |
Age | Between 21 Years and 65 Years |
Income | Stable source of Income |
Credit Score | Decent credit score (750 or above) |
How To Apply For ICICI Sapphiro Credit Card
The ICICI Bank provides both online and offline methods to apply for the Sapphiro credit card. If you prefer offline methods, simply visit your nearest branch and apply for the card. You can also apply online by following the steps given below:
- Click on Apply Now.
- An application form will appear on your screen. Fill that carefully.
- Proceed further by submitting all your required documents and completing the process.
Application Status
- The easiest and fastest way to track your ICICI Credit card application status is to visit the official webpage to track an application. Where you can get the status of your credit card application by entering your registered mobile number, date of birth, and application number.
- If you don’t prefer online methods, you can visit the branch and ask the ICICI bank executives about your credit card application status.
- You can also contact customer care at your credit card to learn the status of your ICICI Sapphiro Card application.
How To Activate ICICI Sapphiro Credit Card
There are a lot of different ways to activate your ICICI Bank Sapphiro Credit Card, as follows:
- You can activate your card by logging in to the net banking account and then finding the option for PIN generation.
- A new card can also be activated through an ICICI Bank ATM. Visit your nearest ATM and click on the option ‘Create PIN using OTP.’ Make sure that you have the registered mobile number when activating the card.
- Also, you can use the ICICI Bank Mobile app, which was created to make banking services easy for customers.
- Another option for credit card activation is to reach out to your credit card customer care and ask them to guide you.
How To Increase ICICI Sapphiro Credit Card Limit
The ICICI Bank provides its customers with different ways to increase their credit card limit. These methods are mentioned below:
- SMS CRLIM <XXXX> to <5676766>, where XXXX denotes the last 4 digits of your credit card number.
- You can also request a credit limit increase through the ICICI Bank iMobile app by visiting the section ‘Manage card’ and then entering your desired credit limit.
- Internet banking is another easy way to get a higher credit limit on your ICICI Sapphiro card. Under the section ‘My Accounts,’ click on ‘Credit Card’ and then go to ‘Manage Credit limit.’
- If you are not comfortable with any of the above methods, you can contact ICICI Bank customer care, and they will assist you in requesting a credit limit increase.
ICICI Sapphiro Credit Card Customer Care
- If you have any doubts or queries related to your ICICI Sapphiro Credit Card, you can contact the bank’s customer care at 1860 120 7777. This number is available every day from 9:00 am to 7:00 pm.
- To contact ICICI bank customer care via mail, you can send your query to [email protected] along with all your personal and account details.
Cards Similar To ICICI Sapphiro Credit Card
The following are some of the popular cards that are comparable to the Sapphiro Credit Card. We have compared them on the basis of different factors, including annual fee and their benefits, in the table given below:
Credit Card | Annual Fee | Reward Rate | Main Benefits |
ICICI Sapphiro Credit Card | Rs. 6,500 (joining fee)Rs. 3,500 (annual fee) | Up to 4 Reward Points on every international spend of Rs. 100.
Up to 2 Reward points on every domestic spend of Rs. 100. |
Complimentary domestic and international airport lounge access.
Buy 1 get 1 free offer on movies on BookMyShow. Up to 20,000 Reward Points every year on achieving the spend milestone. |
HDFC Infinia Credit Card | Rs. 12,500 | 5 Reward Points on every spend of Rs. 100.
2x Reward Points on dining. 10x Reward Points on SmartBuy portal. |
Unlimited complimentary domestic and international lounge access. |
SBI Elite Credit Card | Rs. 4,999 | 2 Reward Points on every spend of Rs. 100.
5x Reward Points on dining, groceries, and departmental stores. |
Complimentary domestic as well as international lounge access every year.
Complimentary movie tickets every month. Up to 50,000 bonus reward points on achieving the spend milestone. |
Standard Chartered Ultimate Credit Card | Rs. 5,000 | 5 Reward Points on every spend of Rs. 150. | Complimentary domestic and international lounge access every year.
5% cashback at duty-free stores at the airports. |
Is This The Right Card For You?
Different credit cards can be best suited for different individuals as everyone’s requirements vary. Before applying for the ICICI Sapphiro Credit Card, you must check whether it fits your needs or not. You need to analyze your spending habits first in order to understand the categories where you spend the most. After that, go through all the features of the Sapphiro Credit Card. If you think that it fulfills all your expectations and is affordable for you, you can apply for it. But make sure to compare it with a few similar cards before making any decision.
Conclusion
One of the most premium offerings by ICICI Bank, the ICICI Bank Sapphiro Card, is undoubtedly a significant choice for individuals who believe in having a credit card with multiple benefits over different categories, including Reward offers, travel, entertainment, dining, etc. This card rewards you for all the domestic and international spends that you make using it, with the AmEx variant offering 50% greater rewards in comparison to the Mastercard variant. Moreover, the ICICI Bank Sapphiro Credit Card allows you to enjoy your favorite delicacies by availing of exclusive offers and benefits, including a 15% saving on bills under the ICICI Culinary Treats Programme at more than 2,500 restaurants all over India.
You can also avail of 2 complimentary movie tickets worth up to Rs. 500 each, saving you up to Rs. 12,000 per year. Talking about its travel benefits, the card provides complimentary domestic and international lounge visits every year, making your travel experiences even more luxurious. However, the joining fee of the card is quite high, which is offset by the welcome benefits provided, and the annual fee is relatively affordable. All these privileges make this card worth trying.
4 Comments
I wish to inquire if wallet loads and EMI transactions also accrue 2 reward points for every Rs. 100 spent?
Can you please let me know if there is any specific type of transaction which does not accrue any reward point for this credit card? I will be thankful if this can be clarified at the earliest.
As on 07 Feb 2024, the cash redemption option against accumulated rewards points by calling at their customer care number is no more available. A big negative for this credit card.
I recently got the ICICI Bank Sapphiro Credit Card and I must say, I am extremely impressed with the welcome benefits it offers. As soon as I received my card, I was pleasantly surprised to find exclusive travel and shopping gift vouchers worth more than Rs. 9,000. These vouchers are from popular brands like Uber, Zomato Pro, and Croma, making it a perfect mix of travel and lifestyle benefits.
The best part about these vouchers is that they are available with both the Visa and Mastercard variants of the card, making it a versatile option for all types of users. Best credit card ever.
Great review of the ICICI Bank Sapphiro Credit Card! I’m definitely interested in unlocking the exciting benefits of this card, especially the Airport Lounge Access and the 24×7 Customer Support. Can’t wait to apply online and start enjoying the perks!