Emirates Skywards ICICI Bank Sapphiro Credit Card: Features & Benefits

Bio

Ankit Rahangdale is a seasoned finance professional with a distinguished background as a Chartered Accountant. Currently, he leads the Finance Department at Pice. With over five years of invaluable experience in the banking and finance sector, honing his expertise through esteemed institutions such as ICICI Bank and Standard Chartered Bank.

12 Dec 25
3 mins

Ankit Rahangdale

08 Mins
12-12-25

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Table of Contents

Emirates Skywards ICICI Bank Sapphiro Credit Card Benefits
ICICI Emirates Sapphiro Credit Card Fees and Charges

Key Takeaways

Earn 2 Skywards Miles per ₹100 spent, making it ideal for frequent Emirates flyers.
Get 5,000 bonus miles and Silver Tier Membership, adding value from day one.
Enjoy international and domestic lounge access, with spend-based unlocks.
Save more with cashback, fuel surcharge waiver, and BookMyShow offers.
At ₹5,000 + GST annual fee, it delivers solid travel rewards at a reasonable cost.

The Emirates Skywards ICICI Bank Sapphiro Credit Card suits Emirates loyalists who want solid travel value at a fair fee.

You earn 2 Skywards Miles on every ₹100 spent, both domestic and international. Miles credit at the end of each billing cycle.

You can earn miles on dining, travel and entertainment. These miles can be redeemed for flights, upgrades, hotel stays and more.

Emirates Skywards ICICI Bank Sapphiro Credit Card Benefits

The benefits begin with basics, such as 4% cashback on iShop and 1% surcharge waiver for fuel spends of ₹400–₹4,000.

These benefits offer quick savings.

The other core benefits are:

5,000 Skywards Miles and Silver Tier Membership
5,000 miles on annual renewal
Enjoy 2 international lounge visits each year
Unlock 2 domestic lounges after ₹75,000 quarterly spends
Get up to ₹500 off on the second BookMyShow ticket

ICICI Emirates Sapphiro Credit Card Fees and Charges

The joining and annual fee of the Emirates Sapphiro Credit Card is ₹5,000 + GST. However, if you have a supplementary card, you would need to pay another ₹199.

A few other important charges are:

Parameters	Charges
Card Replacement	₹200
ATM Withdrawal	3.75%
Finance Charges	3.75% (monthly); 45% (annually)
Overlimit Charges	2.50%; (min. ₹550)
Late Payment Fees	₹100 - ₹1,300 depending on the amount

Never pay a late fine again! Download the Pice App and let it manage your credit card bill payments. Automated, timely reminders will ensure you never pay anything extra.

Footnotes: You must spend ₹5 lakh each year to keep your Emirates Silver Tier status active.

FAQs

How do I use my complimentary international lounge access?

You get two free international lounge visits each year. Customers joining after 15 November 2024 receive Priority Pass access to 1,400+ lounges. Earlier applicants use DreamFolks for 650+ lounges worldwide.

Who is eligible for the Emirates Skywards ICICI Bank Sapphiro Credit Card?

Applicants must be Indian residents aged 21–65. Salaried individuals need ₹1,50,000 monthly income, while self-employed individuals require at least ₹18,00,000 annual income.

What lounge access does the card offer?

The card provides two complimentary international lounge visits annually. You can also unlock two domestic lounge visits per quarter by spending ₹75,000 in that quarter. This makes travel more comfortable and convenient.

What are the fees and major charges on this card?

The joining and annual fee is ₹5,000 plus GST. Finance charges are 3.75% per month, and ATM withdrawals attract a 3.75% fee. Late payment charges depend on the outstanding balance.

What additional benefits come with the card?

You get 4% cashback on iShop, a 1% fuel surcharge waiver, and up to ₹500 off on the second BookMyShow ticket. These lifestyle benefits help add everyday savings alongside travel rewards.