ICICI Bank
ICICI Bank Sapphiro Credit Card
Annual Fee
₹4,130₹3,500 + GSTBase Reward
1% points
Foreign Markup
3.50% + GST
Welcome Benefits
Exclusive Travel & Shopping Vouchers Worth More than ₹13,000 (From Tata CliQ, EaseMyTrip, Uber, Croma)
Product Highlights
- Joining benefits worth more than ₹9,000
- Up to 20,000 bonus Reward Points every year under the Milestone Reward Program
Category Rewards
dining
6X RP on retail spends abroad / dining / departmental stores / groceries
6X
Specialty
6X RP on retail spends abroad / dining / departmental stores / groceries
6X
grocery
6X RP on retail spends abroad / dining / departmental stores / groceries
6X
Specialty
6X RP on retail spends abroad / dining / departmental stores / groceries
6X
Fee Waiver
Renewal Fee Waiver on Spending ₹6 Lakhs Annually
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
BookMyShow
Buy 1 Get 1 Free(Complimentary movie ticket price should be below ₹500)
Reward Calculator
Costs you ₹2,990/year
Break-even needs ~₹47,097/month at your reward mix.
₹13K
across all your buckets
4.6K
ICICI Reward Points
₹1.1K
via standard · ₹0.25/pt
Effective rate
0.73%
Annual fee
₹4,130
Year 1 net
₹-2,990
Year 2+ net
₹-2,990
ongoing
Adjust your spend by reward bucket
2 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
4,000 reward points
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Rent payment surcharge
1%Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.
Wallet load surcharge
1%from Jan 2026Kicks in after ₹5,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)
Utility payment surcharge
1%Kicks in after ₹50,000 cumulative utility spends/cycle
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, rent, wallet, emi, cash advance, utility
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 4 Reward Points for every ₹100 spent on international purchases and 2 Reward Points for every ₹100 spent on domestic purchases. Get 1 Reward Point for every ₹100 spent on utilities and insurance.
- 1 Reward Point = ₹0.25
Benefits & Features
Domestic: 4 Complimentary Domestic Lounge Visits Each Quarter (Spend ₹75,000 with the card in the preceding quarter) International: 2 Complimentary International Airport Lounge Access Each Year (Available from year 2 onwards) Complimentary lounge access for primary cardholder only; guests must pay.
Pros & Cons
Pros
- 4 Reward Points for every ₹100 spent internationally
- Complimentary domestic and international airport lounge access
- Buy 1 Get 1 Free Offer on movie tickets on BookMyShow
Cons
- High joining fee of ₹6,500
- Annual fee of ₹3,500 from the second year
Additional Info
Important note 1
Note 2
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
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Fees & Charges
Eligibility
Min Age
21 yrs
Networks
Fee Waiver
Renewal Fee Waiver on Spending ₹6 Lakhs Annually