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CREDIT CARD

ICICI Bank Emirates Sapphiro Credit Card

ICICI Bank

Earns 1.5 Skywards Miles per ₹100 on eligible retail spends, with 5,000 Skywards Miles and Emirates Skywards Silver Tier membership on joining-fee payment, plus 2 complimentary international lounge accesses via Priority Pass.

Annual fee ₹5,000 + GST with no spend-based reversal listed. Renewal miles and Silver Tier retention need ₹5 lakh yearly spend. Domestic lounge visits need ₹75,000 prior-quarter spend. No miles on fuel, rent, utilities, insurance, education.

ICICI Bank Emirates Sapphiro Credit Card
ANNUAL FEE
₹5,000 + GST
JOINING FEE
₹5,000 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Complimentary Emirates Skywards Silver Tier membership and 5,000 Skywards Miles on payment of the joining fee
BEST FOR
Included: May suit frequent Emirates flyers who want card spends to earn Skywards Miles and are comfortable redeeming through.
Included: May suit spenders who want everyday card spends to build an Emirates Skywards Miles balance
Included: May suit Emirates flyers seeking Emirates Skywards Silver Tier status through the card
Included: May suit those spending ₹75,000 or more a quarter who use domestic airport lounges
Limitation: Spends on fuel, rent, utilities, insurance, education, government payments may wish to compare other cards.
Limitation: Those wanting cashback or flexible redemption may wish to compare other cards.
Limitation: Those spending under ₹5 lakh a year who want renewal miles or Silver Tier retention may wish to compare other cards.
Limitation: Households relying on add-on cards for lounge or welcome benefits may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Skywards Miles are credited to the Emirates Skywards account within 48 hours of statement generation and are valid for three years
Condition: Priority Pass international lounge benefit applies to cards applied for on or after 15 Nov 2024; primary cardholder only

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
21
Maximum age
Not stated

Fees & ownership

Joining fee
₹5,000 + GST
Annual / renewal fee
₹5,000 + GST
Fee waived at
Not stated
Forex markup
3.5%
Finance charge
3.75% per month
Cash withdrawal fee
2.5% of the amount, minimum ₹500
Late-payment charge
Not stated
Interest-free period
18–48 days

Benefits & privileges

TRAVEL
Domestic airport lounge
2 visits per quarter — 2 visits per calendar quarter · Unlocked by ₹75,000 spend in the previous quarter; primary cardholder only · ₹75,000 in the previous calendar quarter
International airport lounge
2 visits per year — 2 complimentary visits a year · Via complimentary Priority Pass membership; primary cardholder only; for cards applied on or after 15 Nov 2024 · ₹75,000 in the previous calendar quarter
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Priority Pass (international)
EVERYDAY
Fuel
1% surcharge waiver on fuel purchases of ₹400–₹4,000
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Fuel, cash advances, EMIs, balance transfers, fees, insurance, utilities, government, education, rent and e-wallet loads; reversed transactions earn none; Fuel, cash advances, ATM withdrawals, EMIs, balance transfer, personal loan on card, fees/charges, insurance, utility, government, education, rent, e-wallet loads
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: Complimentary Emirates Skywards Silver Tier membership and 5,000 Skywards Miles on payment of the joining fee
Included: Earns 1.5 Skywards Miles per ₹100 on eligible domestic and international retail spends
Included: Complimentary Priority Pass membership with 2 international airport lounge accesses for the primary cardholder
Included: BookMyShow offer for cardholders spending ₹25,000 or more in the preceding quarter
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.