Sapphiro

Joining Fee

₹6,500

Annual Fee

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

Forex Markup

3.5% + GST

INTERNATIONAL

Late Payment Charges

Minimum ₹100 · Maximum ₹1,300

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

These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.

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.

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