ICICI Bank Sapphiro Credit Card
Key Details of ICICI Bank Sapphiro Credit Card
| Best for | Lifestyle |
| Joining fee | Rs. 6,500 |
| Annual fee | Rs. 3,500; Waived on spending above Rs. 6 Lakhs in the previous year |
| Joining benefits | Welcome vouchers worth Rs. 9,000+ within 45 days of payment of joining fees |
| Rewards | 2 RP on spending every Rs. 100 on domestic retail purchases (except fuel), 4 RP on every Rs.100 spent on international spends & 1 RP on every Rs. 100 spent on utilities & insurance |
| Complimentary lounge access | 4 domestic airport lounge visits per quarter & 2 international airport lounge visits per calendar year |
| Movie offer | Buy 1 ticket & get up to Rs. 500 off on the 2nd ticket, twice every month, through www.bookmyshow.com |
| Dining benefit | Minimum 15% savings on dining bills at 2,500+ restaurants across India through Culinary Treats Programme |
| Fuel surcharge waiver | 1% on all fuel transactions of up to Rs. 4,000 at any fuel outlet |
| Age | Minimum 23 years |
ICICI Sapphiro Credit Card Benefits
The ICICI Bank Sapphiro credit card provides a diverse range of benefits that enhance the overall cardholder experience:
- International Airport Lounge Access: Experience seamless travel with 2 complimentary international lounge visits through the DreamFolks membership. Access over 650 lounges worldwide across 100+ countries, available to primary cardholders regardless of airline or class.
- Domestic Airport Lounge Access: Enjoy 4 complimentary access to select domestic lounges in India with gourmet meals, Wi-Fi, and comfortable seating. Make your airport experience luxurious and stress-free.
- Complimentary Rounds of Golf Every Month: Earn a free golf round or lesson for every ₹50,000 spent in a month, up to 4 rounds. Enjoy premier golfing privileges by booking and tracking online.
- 24/7 Concierge Services: Access i-Assist for 24/7 help with restaurant reservations, gift assistance, and travel bookings. Enjoy convenience with medical, auto assistance, and even movie ticket delivery in select cities.
- Comprehensive Insurance Coverage: Get peace of mind with insurance coverage, including ₹3 crore in air accident insurance and protections for baggage, purchases, and missed connections. Additional coverage includes card liability and flight delay insurance.
- Reward Points: Get upto 20,000 ICICI bank reward points every anniversary year. Earn 2 points for every ₹100 domestic retail spend and 4 points for every ₹100 international spend. For utilities and insurance payments, get 1 reward point.
- Enhanced Security with Chip and PIN Card: Stay protected with a chip-embedded card and secure PIN entry for each transaction. This advanced security feature reduces the risks of counterfeiting.
- Fuel Surcharge Waiver: Receive a 1% surcharge waiver on fuel purchases at any station for transactions up to ₹4,000. Save on every refill and make fuel expenses lighter.
ICICI Sapphiro Credit Card Charges
The fees and charges applicable to the Sapphiro credit card are given below:
| Fee Type | Charges |
|---|---|
| Joining Fee | INR 6,500 + GST and get welcome vouchers worth ₹9,000 within 45 days of joining |
| Annual Fee | INR 3,500 (waived on reaching ₹6,00,000 in annual spending) |
| Finance Charges | 3.40% per month |
| Cash Withdrawal Fee | 2.5% of the transaction amount, minimum INR 300 |
| Late Payment Fee | Ranges from ₹100 to ₹1,200, based on the outstanding balance |
| Supplementary Card Fee | 199 |
ICICI Sapphiro Credit Card Eligibility Criteria
To apply for the ICICI Sapphiro credit card, applicants need to have a stable income and cater to the specific eligibility requirements based on your banking transactions. The ICICI Sapphiro credit card limit varies based on individual income and credit score.
Documents Required for Application
Some of the common documents needed are:
- Identity Proof: Passport, Aadhaar, or PAN card.
- Address Proof: Utility bill, Aadhaar, or voter ID.
- Income Proof: Salary slips, income tax returns, or Form 16.
ICICI Sapphiro Credit Card Lounge Access
One of the highlights of the ICICI Bank Sapphiro credit card is its lounge access program. Via Priority Pass, cardholders can enjoy a luxurious travel experience. The card offers multiple free visits each year, making it particularly beneficial for frequent travellers who value comfort and exclusivity.
- International Lounge Access: Experience seamless travel with complimentary international lounge access, courtesy of the DreamFolks membership provided with your ICICI Bank Sapphiro credit card. Primary cardholders can enjoy two complimentary visits to over 650 luxurious lounges worldwide, spanning 100+ countries, regardless of airline or travel class.
- Domestic Lounge Access: Upgrade your travel experience within India with four complimentary lounge visits each quarter at select domestic airport lounges. Relax in luxury with comfortable seating, Wi-Fi, gourmet meals, widescreen TVs, and beverage services—just present your ICICI Bank Sapphiro credit card and boarding pass to access these benefits.
- Additional Access: After using your complimentary domestic visits, enjoy continued access to airport lounges in India, with subsequent visits available at rates set by each lounge provider. This benefit is exclusively available to primary cardholders, providing ease and comfort at both domestic and international lounges.
ICICI Sapphiro Credit Card Review
The ICICI Bank Sapphiro credit card is a solid choice for individuals seeking a mid-range premium credit card with a mix of lifestyle, travel, and dining benefits. The card's reward points system is robust, allowing cardholders to earn on every transaction. It combines competitive features like lounge access, insurance, and milestone benefits, making it suitable for frequent travellers and high spenders.
Although the joining and annual fees are slightly high, these costs can be offset with the annual fee waiver and milestone rewards. Overall, the Sapphiro Credit Card delivers excellent value for travel-centric card users.
How to Apply for an ICICI Sapphiro Credit Card?
You can apply for the ICICI Sapphiro credit card through several methods:
- Online: Visit the ICICI Bank website, navigate to the Sapphiro Credit Card section, and complete the online application by providing the required information and uploading documents.
- Branch Application: Visit an ICICI Bank branch with the required documents for in-person assistance.
FAQs
Sapphiro reward points can be redeemed through the ICICI Bank Rewards portal for travel, vouchers, and a range of lifestyle products.
The card offers lounge access, dining discounts, milestone rewards, golf privileges, and insurance coverage, among other benefits.
The annual fee is INR 3,500, which can be waived if annual spending reaches INR 6,00,000.
Eligibility requirements include a minimum age of 21 years and an income of at least INR 9,00,000 per year for salaried applicants or INR 10,00,000 for self-employed applicants.
No, the ICICI Sapphiro credit card has a joining and annual fee, though the yearly fee is waived with high spending.
Yes, the card provides complimentary domestic and international lounge access through Priority Pass and DreamFolks.
The card limit varies based on the applicant’s credit profile, income, and ICICI Bank's assessment.
Yes, the ICICI Bank Sapphiro credit card can be used internationally, and a foreign transaction markup fee is applicable.
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