CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
ICICI Bank

Sapphiro Credit Card

22
Ranked #155 of 170 in credit
creditVisa/Mastercard/AmExPremium travel/lifestyle

Premium ICICI Gem Collection card (below Rubyx/Emeralde) combining strong welcome vouchers, dual domestic+international lounge access, golf privileges, and Rs 3 crore air accident cover, targeting high-income frequent travelers.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value3/100 · weight 71%
≈ 0.13% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% 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
Waiver: Annual fee (from year 2) waived on Rs 6 lakh annual spend
Forex markup
3.5%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
all_spendspoints0.13%(0.5 pts @ ₹0.25)—2 points per Rs 100 domestic = 0.5% nominal at Rs 0.25/point
utilitiespoints0.06%(0.25 pts @ ₹0.25)—1 point per Rs 100 on utilities/insurance

Welcome offer

Welcome vouchers worth Rs 9,000-13,000 (sources vary) within 45 days of joining fee payment: Tata CliQ (Rs 3,000), Croma (Rs 1,500), Da Milano (Rs 5,000), EaseMyTrip (4x Rs 1,000), Uber (4x Rs 250), plus a Zomato/other assorted vouchers depending on source

Milestone benefits

Pros

  • Strong welcome voucher package that often exceeds the joining fee, 48 golf rounds/lessons at Rs 6L spend milestone, dual lounge program (domestic+international via DreamFolks/Priority Pass depending on issuance date), strong air accident cover (Rs 3 crore), 15%+ dining discounts via Culinary Treats at 2,500+ restaurants, monthly BOGO movie offers

Cons

  • High joining fee (Rs 6,500) even though annual fee is lower (Rs 3,500), Rs 6 lakh spend needed for fee waiver, domestic lounge access requires minimum quarterly spend (Rs 5,000) rather than being unconditional, no rewards on transportation expenses, add-on cards excluded from insurance and lounge benefits, low per-point redemption value (Rs 0.25)

What's inside

More benefits

  • Welcome voucher bundle

    ₹10,000

    Tata CliQ Rs 3,000, Croma Rs 1,500, Da Milano Rs 5,000, EaseMyTrip 4x Rs 1,000, Uber 4x Rs 250

    one-time. Within 45 days of joining fee payment

  • Golf program

    ₹3,000

    48 complimentary golf rounds/lessons on crossing Rs 6 lakh annual spend

    Cap ₹1,44,000 / yearly. Rs 6 lakh annual spend milestone via Golftripz

  • BookMyShow BOGO

    ₹500

    Up to Rs 500 off on second movie ticket, twice/month

    Cap ₹12,000 / monthly.

  • Culinary Treats dining

    15% off at 2,500+ partner restaurants

  • Air accident insurance

    ₹3,00,00,000

    Air accident cover up to Rs 3 crore for primary cardholder (not add-on)

    yearly. Primary cardholder only, ICICI Lombard insured

  • i-Assist Concierge

    24x7 concierge for travel, dining, event planning, gift deliveries, emergency support

Insurance cover

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Eligibility

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Age 21-65 (one source cites primary cardholder min 23), salaried income Rs 75,000/month+ (Rs 9L/year) or self-employed Rs 9-10 lakh/year

Small print

Fuel surcharge:1% fuel surcharge waiver at any fuel station, transactions up to Rs 4,000