ICICI Bank Sapphiro Credit Card:

ICICI Bank Sapphiro Credit Card: Your Gateway to Premium Lifestyle Benefits

The ICICI Bank Sapphiro Credit Card is a premium offering designed for high-net-worth individuals seeking luxury, convenience, and unmatched rewards. Packed with exclusive features like complimentary airport lounge access, golf privileges, and generous reward points, this card caters to frequent travelers and lifestyle enthusiasts.

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Why Choose the ICICI Bank Sapphiro Credit Card?

The ICICI Sapphiro Credit Card stands out in the premium credit card segment, offering a blend of lifestyle perks and financial flexibility. Available in Visa, Mastercard, and American Express variants (note: AmEx is not issued as of 2025), this card is tailored for those who value travel, dining, entertainment, and exclusive experiences. With a joining fee of ₹6,500 and an annual fee of ₹3,500 (waivable on spending ₹6 lakh annually), it delivers exceptional value for high spenders.

Here’s why the ICICI Sapphiro Credit Card is a top choice:

Welcome Benefits: Get vouchers worth over ₹9,000, including ₹3,000 from Tata Cliq, ₹4,000 from EaseMyTrip, ₹1,000 from Uber, and ₹1,500 from Croma, plus a 12-month Zomato Pro membership worth ₹800.
Travel Perks: Enjoy 2 complimentary international lounge visits annually and 4 domestic lounge accesses per quarter (on spending ₹75,000 in the previous quarter).
Reward Points: Earn up to 4 reward points per ₹100 on international spends and 2 reward points per ₹100 on domestic purchases.
Golf Privileges: Avail up to 4 complimentary golf rounds/lessons monthly at premium golf courses for every ₹50,000 spent in the prior month.
Entertainment Offers: Get Buy 1 Get 1 free on movie tickets (up to ₹500 off) twice monthly via BookMyShow.
Dining Discounts: Access exclusive offers through the ICICI Culinary Treats Programme at over 2,500 partner restaurants.

Key Features of the ICICI Bank Sapphiro Credit Card

1. Generous Reward Points Program

The ICICI Sapphiro Credit Card offers a robust rewards program:

4 reward points for every ₹100 spent internationally.
2 reward points for every ₹100 spent domestically (except fuel).
1 reward point for every ₹100 spent on utilities and insurance.
Earn up to 20,000 bonus reward points annually through the Milestone Rewards Program. Each point is worth ₹0.25, redeemable for cash, e-vouchers (Amazon, Flipkart, Tata Cliq), or gifts.

2. Premium Travel Benefits

Frequent travelers will love the card’s travel perks:

International Lounge Access: 2 complimentary visits per year via Priority Pass or DreamFolks membership (depending on card issuance date).
Domestic Lounge Access: 4 complimentary visits per quarter at select Indian airports, subject to a minimum spend of ₹75,000 in the previous quarter.
Priority Pass Membership: Complimentary for primary cardholders, enhancing your global travel experience.

3. Golf and Leisure Privileges

Golf enthusiasts can enjoy up to 4 complimentary golf rounds or lessons monthly at premium courses in India. Register on the Golftripz website and spend ₹50,000 in the previous month to unlock this benefit. Complimentary rounds are available for booking within two months.

4. Entertainment and Dining

Movie Offers: Buy one movie ticket on BookMyShow and get up to ₹500 off on the second, twice per month. This makes it ideal for movie buffs seeking recliner seats at standard prices.
Culinary Treats: Enjoy up to 15% discounts at partner restaurants under the ICICI Culinary Treats Programme.

5. Insurance and Security

Air Accident Insurance: Coverage up to ₹3 crore (applicable only if the card was used within 60 days of the incident).
Credit Shield Cover: ₹50,000 protection for outstanding balances.
Counterfeit and Account Takeover Protection: Enhanced security with a microchip and 3D Secure PIN for safe transactions.

6. Additional Features

Contactless Payments: Fast and secure transactions at compatible terminals.
EMI Facility: Convert purchases above ₹3,000 into easy monthly installments via ICICI’s internet banking.
Fuel Surcharge Waiver: 1% waiver on fuel transactions up to ₹4,000 per billing cycle at HPCL stations.

Eligibility Criteria for ICICI Sapphiro Credit Card

To apply for the ICICI Sapphiro Credit Card, you must meet the following requirements:

Age: Primary cardholder must be at least 21 years old; add-on cardholders must be 18 or older.
Income:
Salaried ICICI Bank customers: Minimum ₹2.4 lakh annually.
Non-ICICI Bank salaried customers: Minimum ₹3.6 lakh annually.
Self-employed ICICI Bank customers: Minimum ITR of ₹3.6 lakh.
Non-ICICI Bank self-employed: Minimum ITR of ₹4.8 lakh.
Credit Score: A CIBIL score of 750 or higher is preferred for approval.

Documents Required

Identity Proof: PAN card, Aadhaar card, passport, or driver’s license.
Address Proof: Aadhaar card, utility bill, or rental agreement.
Income Proof: Salary slips, ITR, or bank statements.

Fees and Charges

Joining Fee: ₹6,500 + GST.
Annual Fee: ₹3,500 + GST (waived if you spend ₹6 lakh annually).
Foreign Currency Markup Fee: 3.5% on international transactions.
Cash Advance Fee:
Nil for amounts less than ₹100.
₹100 for amounts between ₹100–₹500.
₹500 for amounts between ₹500–₹10,000.
₹750 for amounts above ₹10,000.

How to Apply for the ICICI Sapphiro Credit Card

Applying for the ICICI Sapphiro Credit Card is simple and can be done online or offline:

Online Application

Visit the official ICICI Bank website or trusted platforms like Fincover, Paisabazaar, or Yourloanadvisors.com.
Navigate to the Credit Cards section and select the Sapphiro Credit Card.
Fill out the application form with personal, professional, and financial details.
Upload required documents (identity, address, and income proof).
Submit the application and await approval (typically within 7–10 working days).

Offline Application

Visit the nearest ICICI Bank branch, fill out the application form, and submit the required documents. A bank representative will guide you through the process.

Is the ICICI Sapphiro Credit Card Worth It?

The ICICI Sapphiro Credit Card is ideal for high spenders who frequently travel, dine out, or enjoy premium experiences like golf. Its welcome benefits, lounge access, and reward points make it a compelling choice, especially if you can meet the ₹6 lakh annual spend threshold to waive the renewal fee. However, for those who don’t spend heavily or prefer lifetime-free (LTF) cards, the ₹3,500 annual fee might seem steep. Some users on Reddit have noted that the card’s benefits, like lounge access, are conditional on high spending (₹75,000/quarter), which may not suit everyone.

Pros

High-value welcome benefits worth over ₹9,000.
Generous reward points on international and domestic spends.
Complimentary lounge access and golf privileges.
Robust insurance coverage and security features.

Cons

High joining and annual fees.
Lounge access requires a minimum spend of ₹75,000 per quarter.
Reward point value (₹0.25 per point) is lower compared to some competitors.

Tips to Maximize Your ICICI Sapphiro Credit Card Benefits

Meet Spending Thresholds: Spend ₹75,000 per quarter for lounge access and ₹50,000 per month for golf privileges.
Redeem Wisely: Use reward points for e-vouchers (Amazon, Flipkart, Tata Cliq) for maximum value.
Leverage BOGO Offers: Book movie tickets early in the month to use the Buy 1 Get 1 free offer effectively.
Use for International Spends: Earn 4 reward points per ₹100 on international transactions for higher returns.
Register for Golf: Sign up on Golftripz to access complimentary golf rounds after meeting the spend criteria.

Conclusion

The ICICI Bank Sapphiro Credit Card is a premium choice for those who lead a luxurious lifestyle and frequently travel or indulge in dining and entertainment. With its rich rewards program, complimentary lounge access, golf privileges, and exclusive welcome benefits, it offers significant value for high spenders. However, its high fees and conditional benefits may not suit everyone. If you’re an alumni of select institutions (IIT, IIM, NIT), check if you qualify for a Lifetime Free (LTF) offer to maximize value.

Ready to elevate your lifestyle? Apply for the ICICI Sapphiro Credit Card today through the ICICI Bank website or trusted platforms like For more details, contact ICICI Bank customer care at 080-40146444.

Disclaimer: Terms and conditions apply. Check the official ICICI Bank website for the latest eligibility criteria, fees, and benefits before applying.