CardIQIndia
Corroborated — 7 field(s) match across 3+ reference sources (auto). Not human-verified. Confirm with the bank before high-stakes decisions.
25
#152 of 173 in credit
ICICI Bank

ICICI Sapphiro Credit Card

creditVisapremium

Premium travel card with substantial lounge access and high reward rate on international transactions.

Score breakdown

Data completeness: 80% · Last verified: 06 Jul 2026

Reward value4/100 · weight 65%
≈ 0.18% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency72/100 · weight 11%
Redemption flexibility75/100 · weight 8%
Perks41/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

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

Joining fee
₹6,500 + 18% GST
= ₹7,670 total
Annual fee
₹3,500 + 18% GST
= ₹4,130 / year total
Waiver: Spend INR 6,00,000 in a year
Forex markup
3.5%

Lounge access

Domestic (per year)
16
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)—4 PAYBACK points per Rs 100 on international spends
all_spendspoints0.13%(0.5 pts @ ₹0.25)—2 PAYBACK points per Rs 100 on domestic retail spends
fuelpoints0.00%(0 pts @ ₹0.25)——