ICICI Bank Sapphiro Credit Card
ICICI Bank
Annual Fee
₹3,500
Joining Fee
₹6,500 + GST
Base Reward
1% points
Foreign Markup
3.50% + GST
Fee Waiver
Renewal Fee Waiver on Spending ₹6 Lakhs Annually
Interest Rate
3.75% Per Month (45% Per Annum)
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
Rewards
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.
Redemption
1 Reward Point = ₹0.25
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
travel | 4%(4 Reward Points for every ₹100 spent abroad) | No cap |
shopping | 2%(2 Reward Points for every ₹100 spent domestically) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| BookMyShow | Buy 1 Get 1 Free(Complimentary movie ticket price should be below ₹500) | online |
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.
Fees & Charges
Eligibility
Min Age
21 years
Max Age
65 years
Available Networks
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