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

Sapphiro Debit Card

28
Ranked #31 of 66 in debit
debitVisa/MastercardUltra-Premium

ICICI Bank's ultra-premium Sapphiro debit card offering the bank's top debit-tier combined domestic+international lounge access and accelerated rewards for high-value account holders.

Score breakdown

Data completeness: 75% · 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 efficiency83/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks45/100 · weight 9%

Fees

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

Joining fee
₹1,999 + 18% GST
= ₹2,359 total
Annual fee
₹1,999 + 18% GST
= ₹2,359 / year total
Waiver: Not detailed as waivable; standard fee applies
Forex markup
3.5%

Lounge access

Domestic (per year)
8
International (per year)
4

Reward structure

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

Welcome offer

None specified for debit variant

Milestone benefits

Pros

  • Highest debit card tier at ICICI with combined domestic+international lounge access
  • strong reward accumulation
  • premium concierge-style service

Cons

  • High fee (Rs1,999)
  • demanding Rs75,000/quarter spend threshold for lounge access

Insurance cover

text
₹NaN

Eligibility

text
ICICI Bank savings account holder, typically higher-balance segment

Small print

Fuel surcharge:Zero surcharge on fuel purchases at select government outlets via ICICI swipe machines