MyFinCards
Sapphiro

Joining Fee

₹6,500

Annual Fee

Rs. 3500 (Reversed on annual spends of Rs. 6 Lakhs)

Forex Markup

3.5% + GST

INTERNATIONAL
ICICI Bank
Travel
Lifestyle
Rewards
Best For: Frequent international travelers, Premium lifestyle seekers, Movie and entertainment enthusiasts, Golf players

Sapphiro

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.25

Points Validity

24 Months

Pros

  • Rich welcome vouchers worth over ₹13,000
  • International lounge access via Priority Pass (1,400+ lounges)
  • Complimentary golf rounds up to 4 per month
  • BOGO movie tickets on BookMyShow twice a month
  • Air Accident Insurance up to ₹3 crore
  • Annual fee waiver on ₹6 lakh spend
  • 24/7 concierge service
  • Milestone reward points up to 20,000 per year

Cons

  • High joining fee of ₹6,500
  • Domestic lounge access requires ₹75,000 quarterly spend threshold
  • Forex markup of 3.5% is relatively high
  • Air Accident Insurance only covers international travel booked with card
  • Supplementary cardholders not covered by Air Accident Insurance

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Domestic lounge access is not automatic — requires ₹75,000 spend in prior quarter

Air Accident Insurance requires card usage at least once in 60 days prior to event

Golf benefit credited by 10th of following month and valid for next two months only

Welcome vouchers delivered within 45 business days of joining fee payment

Key Benefits & Features

Welcome vouchers worth over ₹13,000: Tata CLiQ ₹3,000, EaseMyTrip ₹4,000, Da Milano ₹5,000, Croma ₹1,500, EazyDiner Prime 3-month membership

Eligibility Criteria

Min. Annual Income

₹9.0 Lakhs

Age Requirement

21+ Years

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

Proof of identity

ADDRESS Proof

Proof of address

INCOME Proof

Income Proof
Official Terms & Conditions

About Sapphiro

The ICICI Bank Sapphiro Credit Card is crafted for those who seek premium travel and lifestyle experiences. Cardholders receive welcome vouchers worth over ₹13,000 from brands like Tata CLiQ, EaseMyTrip, Da Milano, EazyDiner, and Croma upon paying the joining fee. The card also offers 2 complimentary international airport lounge visits annually, 4 domestic lounge accesses per quarter, and up to 4 complimentary golf rounds per month based on monthly spending. Entertainment lovers benefit from a Buy-One-Get-One offer on BookMyShow, available twice every month, with savings of up to ₹500 on the second ticket. Beyond travel and entertainment, the Sapphiro Credit Card delivers strong financial protection and everyday value. Cardholders enjoy Air Accident Insurance coverage of up to ₹3 crore, a 1% fuel surcharge waiver on transactions up to ₹4,000, and milestone reward points of up to 20,000 in an anniversary year. Reward points can be earned on every ₹100 spent, with higher rates on international transactions, and redeemed across categories including travel, shopping, electronics, and fashion. Rounding out the experience is a 24/7 concierge service offering assistance with restaurant reservations, hotel and flight bookings, car rentals, and emergency support. With a joining fee of ₹6,500 and an annual fee of ₹3,500 — waivable on spending over ₹6 lakh — the Sapphiro Credit Card is an ideal companion for frequent travelers and premium lifestyle enthusiasts.

Expert Review

Our Verdict

Premium travel & lifestyle card with lounge access, golf rounds, BookMyShow BOGO & rich welcome vouchers.

Frequently Asked QuestionsAbout Sapphiro

ELIGIBILITYWhat are the eligibility criteria for the ICICI Bank Sapphiro Credit Card?
To apply for the ICICI Bank Sapphiro Credit Card, you must be an Indian citizen between 21 and 65 years of age. For salaried individuals, a minimum monthly income of ₹75,000 is required. Self-employed individuals must have a minimum annual income of ₹9,00,000. You will need to provide proof of identity, proof of address, and income proof. No physical documents are required during the application process.
FEESWhat is the joining fee and annual fee for the Sapphiro Credit Card?
The ICICI Bank Sapphiro Credit Card has a joining fee of ₹6,500 plus GST and an annual fee of ₹3,500 plus GST. However, the annual fee can be waived off for the next year if you spend over ₹6 lakh in the current year. This makes the card more cost-effective for high spenders who can unlock the fee waiver benefit.
FEESHow can I get the annual fee waived on the Sapphiro Credit Card?
You can get your annual fee waived off for the next year by spending over ₹6 lakh on your ICICI Bank Sapphiro Credit Card in the current year. The waiver is automatically applied once the spending threshold is met. This is a great way to enjoy the card's premium benefits without paying the ₹3,500 annual fee, as long as your annual spending meets the required amount.
BENEFITSWhat welcome vouchers do I get with the Sapphiro Credit Card?
Upon payment of the joining fee, you receive welcome vouchers worth over ₹13,000 within 45 days. These include a ₹3,000 voucher from Tata CLiQ, ₹4,000 from EaseMyTrip (4 vouchers of ₹1,000 each), ₹5,000 from Da Milano, ₹1,500 from Croma (3 vouchers of ₹500 each), and an EazyDiner Prime Membership (3 months' subscription) worth ₹1,095. You will receive an email regarding the same within 45 business days after payment of the joining fee.
USAGEHow can I claim my joining benefit vouchers for the Sapphiro Credit Card?
To claim your vouchers, log into the ICICI Bank Rewards site via iMobile (Cards & Forex → Sapphiro Credit Card → Redeem Now) or Net Banking (Cards → ICICI Bank Rewards → Sapphiro Credit Card → Redeem Now). On the Rewards site, click the 'Sapphiro Welcome Benefit' tab, select your vouchers, tap 'Add', choose the quantity, and tap 'Claim Now'. Verify with an OTP sent to your registered mobile or email, then submit. The full voucher code and PIN will be shared on your registered email ID.
BENEFITSHow does international airport lounge access work with the Sapphiro Credit Card?
The ICICI Bank Sapphiro Credit Card provides 2 complimentary international airport lounge visits per year for the primary cardholder. For cards applied on or after 15 November 2024, a complimentary Priority Pass Membership is provided, giving access to 1,400+ lounges in 145+ countries. For cards applied before 15 November 2024, a DreamFolks Membership is provided with access to 650+ lounges in 100+ countries. Simply present your membership card at participating lounges.
BENEFITSWhat are the criteria for availing domestic airport lounge access?
To enjoy domestic airport lounge access with the Sapphiro Credit Card, you must spend ₹75,000 or more in a calendar quarter. This entitles you to 4 complimentary domestic lounge visits in the following calendar quarter. The benefit is exclusively for the primary cardholder. For customers with dual Credit Card variants (MasterCard and Amex), the entitlement includes 2 domestic lounge visits per quarter for each variant. Visit the official website for the complete list of eligible lounges.
BENEFITSWhat golf privileges are available with the Sapphiro Credit Card?
As a Sapphiro Credit Cardholder, you are eligible for a complimentary round or lesson of golf for every ₹50,000 spent on retail purchases in the previous calendar month, with a maximum of 4 complimentary rounds per month. Benefits are credited by the 10th day of the following month and are available for use in the next two months. Bookings can be made through the Golftripz website at www.teetimes.golftripz.com using the email ID registered with your ICICI Bank Credit Card.
BENEFITSWhat movie ticket benefits are available with the Sapphiro Credit Card?
Sapphiro Credit Cardholders enjoy a Buy-One-Get-One (BOGO) movie ticket offer on BookMyShow, worth up to ₹500 off on the second ticket, on the purchase of a minimum of two tickets. This benefit is available twice every month. Customers with dual Credit Card variants (MasterCard and AMEX) can avail one complimentary movie benefit per month per variant. Any additional bookings beyond the complimentary benefit will be charged as per the service provider's rates.
BENEFITSWhat Air Accident Insurance coverage is provided with the Sapphiro Credit Card?
The primary Sapphiro Cardholder is entitled to Air Accident Insurance coverage of up to ₹3 crore. This benefit is applicable only when the card has been used at least once in the 60 days prior to the event. Importantly, the insurance covers international travel only, and the tickets must be purchased using the Sapphiro Credit Card. Supplementary (Plus) cardholders are not eligible for this insurance coverage. Nominee details can be updated via the official ICICI Bank Credit Card website.
REWARDSHow do I earn and redeem reward points on the Sapphiro Credit Card?
With the ICICI Bank Sapphiro Credit Card, you earn reward points on every ₹100 spent: 4 points on international spends, 2 points on domestic spends, and 1 point on utility and insurance spends. You also earn milestone bonus points — 4,000 reward points on ₹4 lakh spend and 2,000 points for every additional ₹1 lakh spend, up to 20,000 points per anniversary year. Points can be redeemed for Health & Beauty, Travel & Luggage, Shopping Vouchers, Home Appliances, Electronics, and Fashion & Lifestyle.
INTERNATIONALWhat is the forex markup fee for the Sapphiro Credit Card?
The ICICI Bank Sapphiro Credit Card charges a forex markup fee of 3.5% on international transactions. This fee is applied on all foreign currency transactions made using the card. If you travel frequently or make international purchases, this cost should be factored into your spending. For frequent international travellers, it is advisable to compare this with other travel credit cards that may offer lower or zero forex markup fees.
BENEFITSWhat concierge services are available with the Sapphiro Credit Card?
The Sapphiro Credit Card offers 24/7 concierge assistance through the i-Assist service. Services include restaurant reservations, flower and gift deliveries, hotel and flight bookings, car rentals, and movie ticket delivery. The service also provides emergency auto assistance and medical concierge support. You can reach the concierge team by calling the toll-free number 1800-26-70731 (free for MTNL/BSNL lines) or 022-6787-2016 (standard call charges applicable).
DOCUMENTSWhat documents are required to apply for the Sapphiro Credit Card?
To apply for the ICICI Bank Sapphiro Credit Card, you will need to submit proof of identity, proof of address, and income proof. The good news is that no physical documents are required during the application process — everything can be submitted digitally. Salaried applicants should have documents showing a monthly income of at least ₹75,000, while self-employed applicants need to show an annual income of ₹9,00,000 or more.
BENEFITSWhat is the fuel surcharge waiver offered on the Sapphiro Credit Card?
Sapphiro Credit Cardholders can avail a 1% fuel surcharge waiver on all fuel transactions of up to ₹4,000 at any fuel outlet across India. This benefit applies to both the primary cardholder and the Plus (supplementary) cardholder. The waiver is automatically applied when the eligible transaction is completed using the card, helping cardholders save on regular fuel expenses without any additional steps required.

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