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REWARD POINTS CARD

ICICI Bank Sapphiro Credit Card

ICICI Bank

Welcome vouchers worth over ₹13,000 on joining-fee payment, 2 Reward Points per ₹100 on domestic and 4 on international spends, airport lounge access, golf rounds, BookMyShow offers and air accident cover.

Annual fee ₹3,500 + GST from year 2, waived on ₹6 lakh yearly spend. Domestic lounge access needs ₹75,000 and BookMyShow ₹25,000 spend in the preceding quarter. Lounge benefits are for the primary cardholder only.

ICICI Bank Sapphiro Credit Card
ANNUAL FEE
₹3,500 + GST
JOINING FEE
₹6,500 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Welcome vouchers worth over ₹13,000 from Tata CLiQ, EaseMyTrip, Da Milano, Croma and EazyDiner.
BEST FOR
Included: May suit cardholders who travel, use airport lounges and book movie tickets on BookMyShow.
Included: May suit those spending ₹75,000 or more a quarter who use domestic airport lounges.
Included: May suit those with international card spends, which earn 4 Reward Points per ₹100.
Included: May suit golfers who spend ₹50,000 or more a month on the card.
Limitation: Those who spend mainly on fuel, rent or e-wallet reloads, which earn no Reward Points may wish to compare other cards.
Limitation: Those spending under ₹6 lakh a year may wish to compare other cards.
Limitation: Those who carry a balance may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Reward Points expire 36 months from the date of issuance and lapse if the card is cancelled.
Condition: Air accident cover applies only if the card was used in the 60 days before the event, for international travel booked on the card.

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
65

Fees & ownership

Joining fee
₹6,500 + GST
Annual / renewal fee
₹3,500 + GST
Fee waived at
₹6,00,000 spend in an anniversary year waives next year's fee (excl. rent, govt, education and EMI spends)
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
4 visits per quarter — 4 visits per calendar quarter · Needs ₹75,000 spend in the preceding calendar quarter; primary cardholder only; dual-card (Mastercard & Amex) holders get 2 per variant · ₹75,000 in a calendar quarter
International airport lounge
2 visits per year — 2 visits per year · Primary cardholder only · ₹75,000 in a calendar quarter
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Priority Pass
EVERYDAY
Fuel
1% waiver on fuel transactions up to ₹4,000 at any fuel outlet in India; waiver on spends up to ₹50,000 per statement cycle
Dining
3-month EazyDiner Prime membership worth ₹1,095, part of the welcome vouchers
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No Reward Points on cash, rent, e-wallet reloads, fuel or EMI transactions; rent, government and education spends do not count towards milestone or fee waiver.; Cash withdrawals, rent, e-wallet reloads, fuel and EMI transactions.
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
36 months
Redemption fee
₹99
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: Welcome vouchers worth over ₹13,000 from Tata CLiQ, EaseMyTrip, Da Milano, Croma and EazyDiner.
Included: Air accident insurance cover of ₹3 crore for the primary cardholder.
Included: 1 golf round or lesson for every ₹50,000 spent in the previous calendar month, up to 4 a month.
Included: Buy One Get One on BookMyShow, up to ₹500 off twice a month, with ₹25,000 spend 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.