ICICI Sapphiro Credit Card

Name: ICICI Bank ICICI Sapphiro Credit Card
Brand: ICICI Bank
Price: 4130 INR
Rating: 2.80 (1 reviews)

Ranked #107 of 170 in credit

creditVisapremium

ICICI's mid-premium travel and lifestyle card with strong welcome vouchers, decent lounge access frequency, and golf/dining perks, though 2026 revisions have added spend conditions to several benefits.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value11/100 · weight 71%

≈ 0.53% 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 12%

Redemption flexibility75/100 · weight 9%

Perks61/100 · weight 9%

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
Forex markup: 3.5%

Lounge access

Domestic (per year): 16
International (per year): 2

Reward structure

Category	Type	Rate	Cap	Notes
online_travel_booking	points	1.00%(4 pts @ ₹0.25)	—	4 RP per Rs 100 on international spends
travel	points	1.00%(4 pts @ ₹0.25)	—	4 PAYBACK points per Rs 100 on international spends
all_spends	points	0.50%(2 pts @ ₹0.25)	—	2 RP per Rs 100 domestic spend; 1 RP=Re 0.25
utilities	points	0.25%(1 pts @ ₹0.25)	—	1 RP per Rs 100 on utility and insurance payments
fuel	points	0.00%(0 pts @ ₹0.25)	—	—

Welcome offer

Welcome vouchers worth over Rs 9,000-13,000 from EaseMyTrip, Tata CLiQ, EazyDiner, Da Milano, Tata Croma, within 45 days of joining fee payment

Milestone benefits

Pros

4 RP/Rs 100 on international spends, 2 RP/Rs 100 domestic
strong welcome voucher bundle (~Rs 9,000-13,000)
good domestic lounge frequency (16/year if spend maintained)
BOGO movie tickets via BookMyShow (now requires Rs 25,000/quarter spend from April 2026)
complimentary golf
15% dining discount

Cons

High income eligibility
domestic lounge and movie benefits now spend-gated with new 2026 rules (Rs 75K/quarter for lounge, Rs 25K/quarter for movies)
international lounge capped at just 2/year (not quarterly)
transportation expenses don't earn rewards
guest lounge visits chargeable

What's inside

More benefits

Welcome voucher bundle
₹10,000
Vouchers from EaseMyTrip, Tata CLiQ, EazyDiner, Da Milano, Tata Croma
Cap ₹10,000 / one-time. Within 45 days of joining fee payment
BookMyShow BOGO movie offer
₹500
Buy 1 get 1 movie/event ticket via BookMyShow
Cap ₹6,000 / monthly. From April 2026 requires Rs 25,000 spend in preceding quarter
Complimentary golf rounds
₹2,000
Up to 48 complimentary golf rounds/year at partner courses
Cap ₹96,000 / unlimited. On annual spend of Rs 6 lakh

Insurance cover

text: ₹NaN

Eligibility

text: Age 21-60 (primary), add-on 18+; salaried min income Rs 9 lakh/annum or Rs 75,000/month, self-employed Rs 9-10 lakh/annum

Small print

Fuel surcharge:1% fuel surcharge waiver on transactions up to Rs 4,000