{"id":83053,"date":"2025-12-12T20:28:04","date_gmt":"2025-12-12T14:58:04","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=83053"},"modified":"2025-12-12T20:28:07","modified_gmt":"2025-12-12T14:58:07","slug":"icici-bank-sapphiro-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/icici-bank-sapphiro-credit-card\/","title":{"rendered":"ICICI Bank Sapphiro Credit Card: Features, Benefits, Fees &amp; Charges"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>Key Takeaways<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get welcome vouchers worth \u20b913,000 after joining.<\/li>\n\n\n\n<li>Earn 6x to 12x rewards on iShop.<\/li>\n\n\n\n<li>Receive air accident insurance cover up to \u20b93 crore.<\/li>\n\n\n\n<li>Earn free golf rounds for \u20b950,000 monthly spend.<\/li>\n\n\n\n<li>Qualify for an annual fee waiver after \u20b96 lakh spent.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The <strong>ICICI Bank Sapphiro Credit Card<\/strong> sits at the premium end of the Gemstone Collection, along with Coral, Rubyx and Emeralde.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>Step into a higher class of credit card comfort with a set of elite features. Unlock shopping and travel vouchers worth \u20b913,000 after you pay the joining fee for the <strong>ICICI Sapphiro Credit Card<\/strong>.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#icici-bank-sapphiro-credit-card-benefits\">ICICI Bank Sapphiro Credit Card Benefits<\/a><\/li><li><a href=\"#icici-sapphiro-credit-card-reward-points\">ICICI Sapphiro Credit Card Reward Points<\/a><\/li><li><a href=\"#insurance-benefits-of-the-sapphiro-credit-card-from-icici-bank\">Insurance Benefits of the Sapphiro Credit Card from ICICI Bank<\/a><\/li><li><a href=\"#things-to-know-about-icici-sapphiro-credit-card-lounge-access\">Things to Know About ICICI Sapphiro Credit Card Lounge Access<\/a><\/li><li><a href=\"#icici-bank-sapphiro-credit-card-eligibility\">ICICI Bank Sapphiro Credit Card Eligibility<\/a><\/li><li><a href=\"#charges-levied-on-icici-bank-sapphiro-credit-card\">Charges Levied on ICICI Bank Sapphiro Credit Card<\/a><ul><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"icici-bank-sapphiro-credit-card-benefits\"><strong>ICICI Bank Sapphiro Credit Card Benefits<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/ICICI-Bank-Sapphiro-Credit-Card.webp\" alt=\"ICICI Bank Sapphiro Credit Card\n\" class=\"wp-image-83153 size-full\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/ICICI-Bank-Sapphiro-Credit-Card.webp 500w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/ICICI-Bank-Sapphiro-Credit-Card-300x300.webp 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/ICICI-Bank-Sapphiro-Credit-Card-150x150.webp 150w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<ul class=\"wp-block-list\">\n<li><strong>Premium Welcome Value:<\/strong> The card offers vouchers from Tata CLiQ, EazyDiner, Da Milano, EaseMyTrip and Tata Croma.<\/li>\n\n\n\n<li><strong>Airport Lounge Comfort:<\/strong> You get 2 international lounge visits each year, along with 4 domestic lounge visits every quarter.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Entertainment Edge:<\/strong> You buy 1 ticket on BookMyShow and enjoy up to \u20b9500 off on the second ticket. This benefit stays active twice each month.<\/li>\n\n\n\n<li><strong>Concierge and Golf Privileges:<\/strong> A 24\/7 concierge line stays open for travel or dining requests. Golf lovers get up to 4 complimentary rounds each month.<\/li>\n\n\n\n<li><strong>Milestone Rewards:<\/strong> You earn 4,000 reward points at \u20b94 lakh annual spend and gain 2,000 extra points for every next \u20b91 lakh.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"icici-sapphiro-credit-card-reward-points\"><strong>ICICI Sapphiro Credit Card Reward Points<\/strong><\/h2>\n\n\n\n<p>The card builds strong value through clear reward slabs. You earn 6x to 12x points on iShop and gain 4 points on every \u20b9100 spent overseas, 2 on domestic use and 1 on utility or insurance.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p><strong><em>Note:<\/em><\/strong><em> You can use up to 80% of your iCash for each redemption.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"insurance-benefits-of-the-sapphiro-credit-card-from-icici-bank\"><strong>Insurance Benefits of the Sapphiro Credit Card from ICICI Bank<\/strong><\/h2>\n\n\n\n<p>The <strong>ICICI Bank Sapphiro Credit Card<\/strong> offers strong travel and safety cover, led by an air accident benefit of up to \u20b93 crore for the primary cardholder. The card must stay active within 90 days of the loss.<\/p>\n\n\n\n<p>The bank or the cardholder must submit the claim documents within 60 days. Cover is provided through <a href=\"https:\/\/www.icicilombard.com\/\" target=\"_blank\" rel=\"noopener\">ICICI Lombard General Insurance Company Limited<\/a>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Coverage and Sum Insured<\/strong><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Coverage Type<\/strong><\/td><td><strong>Sum Insured<\/strong><\/td><\/tr><tr><td>Air Accident Cover (Death)<\/td><td>\u20b93,00,00,000<\/td><\/tr><tr><td>Purchase Protection<\/td><td>\u20b91,40,000<\/td><\/tr><tr><td>Plane Hijack + Credit Shield<\/td><td>\u20b91,00,000 each<\/td><\/tr><tr><td>Loss of Checked-In Baggage<\/td><td>\u20b984,000<\/td><\/tr><tr><td>Card Liability + Medical Accident Cover<\/td><td>\u20b950,000 each<\/td><\/tr><tr><td>Baggage Delay + Missed Connection + Passport \/ Travel Docs<\/td><td>\u20b921,000 \u2013 \u20b935,000<\/td><\/tr><tr><td>Flight Delay<\/td><td>\u20b917,500<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>The <\/em><a href=\"https:\/\/piceapp.com\/\"><em>Pice App<\/em><\/a><em> adds smooth credit card bill payments through a quick 5-step flow.&nbsp;<\/em><\/p>\n\n\n\n<p><em>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!<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"things-to-know-about-icici-sapphiro-credit-card-lounge-access\"><strong>Things to Know About ICICI Sapphiro Credit Card Lounge Access<\/strong><\/h2>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>A small authorisation charge applies at entry. Visa, <a href=\"https:\/\/specials.priceless.com\/en-in\/cardhome\/ICICI_Bank_Sapphiro_Credit_Card?issuerId=201810190007&amp;productId=201810200034\" target=\"_blank\" rel=\"noopener\">Mastercard<\/a> and RuPay variants levy a charge of \u20b92, while Amex levies \u20b91.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Membership Based on ICICI Bank Sapphiro Credit Card Issuance Date<\/strong><\/li>\n<\/ul>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"icici-bank-sapphiro-credit-card-eligibility\"><strong>ICICI Bank Sapphiro Credit Card Eligibility<\/strong><\/h2>\n\n\n\n<p>You must be an Indian citizen aged between 21 and 65. Salaried applicants need a monthly income of \u20b975,000. Self-employed applicants need an annual income of \u20b99,00,000.<\/p>\n\n\n\n<p>Basic documents like ID, address and income proof are required, though no physical papers are required.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"charges-levied-on-icici-bank-sapphiro-credit-card\"><strong>Charges Levied on ICICI Bank Sapphiro Credit Card<\/strong><\/h2>\n\n\n\n<p>You qualify for an annual fee waiver for the following year once your total expenses exceed \u20b96 lakh in the current year.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Joining Fee<\/td><td>\u20b96,500+GST<\/td><\/tr><tr><td>Renewal Fee<\/td><td>\u20b93,500+GST<\/td><\/tr><tr><td>Add-On Card Fee<\/td><td>\u20b9199<\/td><\/tr><tr><td>Card Replacement Charges<\/td><td>\u20b9200<\/td><\/tr><tr><td>Forex Markup<\/td><td>3.5%<\/td><\/tr><tr><td>Cash Advance Fee<\/td><td>2.5% (min. \u20b9500)<\/td><\/tr><tr><td>Over Limit Charges<\/td><td>2.5% (min. \u20b9550)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Late payment fees rise with the outstanding amount. It starts from no charge below \u20b9100 and moves up to \u20b91,300 for dues above \u20b950,000.<em>But why pay late payment fees when you can get automated reminders? Download the Pice App and never miss <\/em><a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\"><em>paying your credit card bills<\/em><\/a><em> ever again!<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"footnotes\"><strong>Footnotes:<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>You unlock domestic lounge access each quarter once you cross \u20b975,000 in spends within that period.<\/li>\n\n\n\n<li>If you hold both Mastercard and Amex versions of the card, you receive 2 domestic lounge visits per quarter on each variant.<\/li>\n\n\n\n<li>You earn 1 complimentary golf round or lesson for every \u20b950,000 spent on retail purchases in the previous month.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\"><strong>FAQs<\/strong><\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1765540845527\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What do the Sapphiro joining benefit vouchers include?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You receive vouchers worth \u20b93,000 from Tata CLiQ, \u20b94,000 from EaseMyTrip, \u20b91,095 from EazyDiner Prime, \u20b95,000 from Da Milano and \u20b91,500 from Croma within 45 days of fee payment.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765540961808\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How do I book my ICICI Bank Sapphiro Credit Card golf session?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Create a Golftripz account with your ICICI Bank\u2013registered email. Your free round appears after the 10th of the next month. Choose a tee slot and track bookings online.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765540970694\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How can I reach Sapphiro customer support?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Call the toll-free line at 1800-103-8181 for quick help. You may also text ASSIST to 5676766 to receive a call from ICICI Bank.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765540980475\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How can I claim my Sapphiro welcome vouchers?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Log in to iMobile Pay and open your card section. Select Redeem Now, choose your welcome vouchers, confirm the quantity and validate the claim with an OTP.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765540989941\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Where can I view my claimed voucher details?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Go to the \u2018Order History\u2019 page under Welcome Benefits. Select any voucher, request an OTP and then view the revealed code and PIN on the screen.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765542189429\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How do I reach the i-Assist concierge service?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can call the i-Assist helpline at 1800-26-70731 or 022-6787-2016. The service stays active around the clock, throughout the year.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765542196479\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How much can I save on dining with the ICICI Bank Sapphiro Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You get at least 15% off at partner restaurants. Check the full list on the culinarytreats website or use the ICICI Bank Culinary Treats app on the App Store or Google Play.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways 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 [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":83169,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-83053","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83053","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=83053"}],"version-history":[{"count":2,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83053\/revisions"}],"predecessor-version":[{"id":83165,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83053\/revisions\/83165"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/83169"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=83053"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=83053"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=83053"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}