ICICI Bank
InterMiles ICICI Bank Sapphiro Credit Card
Annual Fee
₹5,900₹5,000 + GSTBase Reward
4% rewards
Foreign Markup
3.5% of the transaction amount
Welcome Benefits
1 year InterMiles Silver Tier membership with 10,000 bonus InterMiles, a discount of Rs. 750 on flight bookings and Rs. 1,500 on hotel bookings (AmEx variant), a discount of Rs. 500 on flight bookings and Rs. 1,000 on hotel reservations (Visa variant).
Product Highlights
- InterMiles Silver Tier membership and 10,000 bonus InterMiles as a welcome gift.
- Discount vouchers worth Rs. 750 on flight bookings and Rs. 1,500 on hotel reservations.
- Accelerated InterMiles on Etihad Airways ticket bookings.
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
intermiles + international spend
Up to higher InterMiles on intermiles.com + international
Reward Calculator
Costs you ₹2,540/year
Break-even needs ~₹22,828/month at your reward mix.
₹13K
across all your buckets
8.4K
InterMiles
₹3.4K
via standard · ₹0.4/pt
Effective rate
2.15%
Annual fee
₹5,900
Year 1 net
₹-2,540
Year 2+ net
₹-2,540
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & 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
Fuel surcharge waiver (good news)
1%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 5 InterMiles/Rs. 100 on domestic spends and 7 InterMiles/Rs. 100 on international spends with the AmEx variant; earn 4 InterMiles/Rs. 100 on domestic spends and 5 InterMiles/Rs. 100 on international spends with the Visa variant. Accelerated InterMiles on bookings on the InterMiles official website.
- InterMiles redeemable for flight/hotel bookings on the InterMiles portal from partner airlines/hotel chains.
Benefits & Features
Domestic: 2 complimentary domestic lounge access each with both Visa and AmEx variants if Rs. 5,000 spent in the previous quarter. (Min ₹5,000 spent in the previous quarter.) International: 2 complimentary international lounge access every year under the Dreamfolks membership. (Available from year 1 onwards.) Full lounge access description.
Pros & Cons
Pros
- High reward rate on travel spends.
- Complimentary lounge access.
- Discounts on flight and hotel bookings.
Cons
- High joining fee.
- Limited insurance coverage.
Additional Info
Maximum of 60,000 InterMiles can be earned in a card anniversary year.
Uncapping fee of ₹7,500 to earn more than the limit.
A maximum of 60,000 InterMiles can be earned in a card anniversary year.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks