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ICICI Bank

ICICI Bank Sapphiro Credit Card

4.3Best for travel

Lounge accessVerifying

Joining fee incl. GST: ₹7,670
Renewal fee incl. GST: ₹4,130
Conditional welcome value: —
Forex markup: 3.5%
Interest p.a.: 45%
Min income (salaried): ₹75,000/mo

Welcome benefits depend on the actual offer and qualifying conditions; points and vouchers are not an automatic cash refund. On payment of the joining fee; delivered within 45 business days of card issuance These are restricted discount vouchers/memberships, not cash; minimum booking values and redemption restrictions apply.

How this card earns

Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.

Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.

What still needs confirmation

Reward ceilings, transaction rounding and detailed annual qualifying-spend exclusions remain unverified; point values are comparison assumptions.

Spend category	Reward rate	Reward limit
Travel Only the qualifying merchants or payment route below 4 points per ₹100 on eligible international purchases; domestic travel does not qualify. Comparison at ₹0.25/point; forex charges are separate.	1%	Unverified
Utilities & bills 1 reward point per Rs.100 on utilities and insurance. At ~Rs.0.25/point this is ~0.25% value-back.	0.25%	Unverified
Insurance 1 reward point per Rs.100 on insurance. ~0.25% value-back at Rs.0.25/point.	0.25%	Unverified
Other eligible purchases	0.5%	—

Excluded from ordinary earning: Fuel, Rent. Specific qualifying offers, if any, are listed above.

Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.

Fees & charges

Joining fee₹6,500

Annual fee₹3,500

Annual fee waiverRenewal fee waived on more than ₹600,000 annual eligible spending. Confirm excluded transactions in account terms.

Foreign currency markup3.5%

Finance charge (p.a.)45%

Fuel surcharge waiver1%

Spend milestones

Annual spend	Benefit	Value
₹4,00,000	4,000 reward points on Rs.4,00,000 annual spend	₹1,000
₹5,00,000	2,000 reward points for every additional Rs.1,00,000 spend (up to 20,000 points / year)	₹500

Key benefits

Airport lounge access — 4/quarter domestic, 2/year international (Domestic lounge access requires Rs.75,000+ spend in previous quarter)
2 reward points per Rs.100 on domestic retail spends
4 reward points per Rs.100 on international spends
Conditional welcome vouchers; discount headline is not guaranteed cash value
Buy one movie ticket and get up to Rs.500 off the second via BookMyShow, twice a month; from 01 Apr 2026 this requires Rs.25,000 of spend in the preceding spends quarter
Dining discounts via ICICI Culinary Treats
Golf: one round or lesson per Rs.50,000 of retail spend in the previous calendar month, up to 4 rounds a month
Air accident insurance cover of up to Rs.3 crore
1% fuel surcharge waiver (Rs.400-Rs.4,000)

What we like

+Strong lounge access (4 domestic/quarter + 2 international/year)
+Conditional welcome offers with merchant and redemption restrictions
+Milestone reward points up to 20,000/year
+Lifestyle perks - movies, dining, golf

What to watch

−High joining (Rs.6,500) and annual (Rs.3,500) fees
−Base reward rate is modest (~0.5% on retail)
−High income eligibility requirement
−High 3.5% foreign currency markup

Eligibility

Age 21–—
Salaried income ₹75,000/mo (≈₹9,00,000/yr)
Self-employed ₹9,00,000/yr (≈₹75,000/mo)

Self-employed income measured annually (Rs.9,00,000 p.a.); salaried monthly

Check ICICI Bank's current criteria and the source notes. Meeting a published minimum is not approval — the issuer decides every application on its own criteria, including your credit history. How we source this