ICICI Bank Sapphiro Credit Card: Features, Benefits, Fees & Charges

The ICICI Bank Sapphiro Credit Card sits at the premium end of the Gemstone Collection, along with Coral, Rubyx and Emeralde.

It suits people who want smooth access to travel comfort, fine dining and select lifestyle benefits. The card works well for frequent travellers and shoppers who value strong rewards.

Step into a higher class of credit card comfort with a set of elite features. Unlock shopping and travel vouchers worth ₹13,000 after you pay the joining fee for the ICICI Sapphiro Credit Card.

ICICI Bank Sapphiro Credit Card Benefits

• Premium Welcome Value: The card offers vouchers from Tata CLiQ, EazyDiner, Da Milano, EaseMyTrip and Tata Croma.
• Airport Lounge Comfort: You get 2 international lounge visits each year, along with 4 domestic lounge visits every quarter.

1. Entertainment Edge: You buy 1 ticket on BookMyShow and enjoy up to ₹500 off on the second ticket. This benefit stays active twice each month.
2. Concierge and Golf Privileges: A 24/7 concierge line stays open for travel or dining requests. Golf lovers get up to 4 complimentary rounds each month.
3. Milestone Rewards: You earn 4,000 reward points at ₹4 lakh annual spend and gain 2,000 extra points for every next ₹1 lakh.

ICICI Sapphiro Credit Card Reward Points

The card builds strong value through clear reward slabs. You earn 6x to 12x points on iShop and gain 4 points on every ₹100 spent overseas, 2 on domestic use and 1 on utility or insurance.

These points convert into flights, buses, hotels and select vouchers. You also earn 3% iCash on flights, 6% on hotels and buses and up to 29% on shopping vouchers through net banking.

Note: You can use up to 80% of your iCash for each redemption.

Must reads

Minimum Salary Requirement for Credit Cards: Eligibility, Documents, How to Apply and More

• 27 Oct 25
• 8 mins

How Does Credit Card EMI Work: The Ultimate Guide

• 30 Oct 25
• 5 mins

Insurance Benefits of the Sapphiro Credit Card from ICICI Bank

The ICICI Bank Sapphiro Credit Card offers strong travel and safety cover, led by an air accident benefit of up to ₹3 crore for the primary cardholder. The card must stay active within 90 days of the loss.

The bank or the cardholder must submit the claim documents within 60 days. Cover is provided through ICICI Lombard General Insurance Company Limited.

• Coverage and Sum Insured

The Pice App adds smooth credit card bill payments through a quick 5-step flow. 

Begin by downloading the app and linking your cards. Choose the card you wish to pay for, enter the details, confirm the amount and complete the payment!

Things to Know About ICICI Sapphiro Credit Card Lounge Access

Lounge entry stays valid for up to 3 hours per visit. You must present the active card and a valid ticket or boarding pass for the same day or the next day. Lounge access stays complimentary only for the primary cardholder.

A small authorisation charge applies at entry. Visa, Mastercard and RuPay variants levy a charge of ₹2, while Amex levies ₹1.

• Membership Based on ICICI Bank Sapphiro Credit Card Issuance Date

Customers who apply on or after 15 November 2024 receive a complimentary Priority Pass Membership. This allows entry to over 1,400 lounges across more than 145 countries. You must present the Priority Pass card at the lounge.

Customers who applied before this date continue with DreamFolks Membership, which supports access to over 650 lounges in 100+ countries. You also get 2 international lounge visits and 2 spa sessions at select airports each year.

ICICI Bank Sapphiro Credit Card Eligibility

You must be an Indian citizen aged between 21 and 65. Salaried applicants need a monthly income of ₹75,000. Self-employed applicants need an annual income of ₹9,00,000.

Basic documents like ID, address and income proof are required, though no physical papers are required.

Must reads

Payment Gateway vs Payment Processor vs Merchant Account: Explained

• 21 Oct 25
• 7 mins

Everything About Bank of Baroda Credit Card Lounge Access

• 10 Oct 25
• 7 mins

Charges Levied on ICICI Bank Sapphiro Credit Card

You qualify for an annual fee waiver for the following year once your total expenses exceed ₹6 lakh in the current year.

Late payment fees rise with the outstanding amount. It starts from no charge below ₹100 and moves up to ₹1,300 for dues above ₹50,000.But why pay late payment fees when you can get automated reminders? Download the Pice App and never miss paying your credit card bills ever again!

Footnotes:

1. You unlock domestic lounge access each quarter once you cross ₹75,000 in spends within that period.
2. If you hold both Mastercard and Amex versions of the card, you receive 2 domestic lounge visits per quarter on each variant.
3. You earn 1 complimentary golf round or lesson for every ₹50,000 spent on retail purchases in the previous month.

FAQs