CardIQIndia
Corroborated — 1 field(s) match across 3+ reference sources (auto). Not human-verified. Confirm with the bank before high-stakes decisions.
30
#42 of 70 in debit
ICICI Bank

Sapphiro Debit Card

debitVisasignature

Premium ICICI debit with lounge access.

Score breakdown

Data completeness: 60% · Last verified: 06 Jul 2026

Reward value11/100 · weight 65%
≈ 0.53% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency76/100 · weight 11%
Redemption flexibility75/100 · weight 8%
Perks34/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹1,499 + 18% GST
= ₹1,769 total
Annual fee
₹1,499 + 18% GST
= ₹1,769 / year total
Forex markup
3%

Lounge access

Domestic (per year)
4
International (per year)
2

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
travelpoints1.00%(4 pts @ ₹0.25)——
all_spendspoints0.50%(2 pts @ ₹0.25)——