Emirates Skywards ICICI Bank Sapphiro Credit Card
ICICI Bank
Last verified: 25 Sept 2026
Reward Program
Redemption fee: 99
Managed via ICICI Bank Rewards, iMobile Pay
Transfer partners
Live Offers
3 activeICICIBANK20Till 31 MarBenefits
Lounge Access
2 domestic visits/quarter
1 international visits/quarter
2 complimentary domestic airport lounge visits and international lounge access.
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions from ₹400 to ₹4,000. Fuel itself earns NO Reward Points from 15 January 2026, and ICICI charges 1% on fuel transactions above ₹10,000.
Welcome Benefit
5,000 Skywards Miles and a complimentary Emirates Skywards Silver Tier membership
Annual Benefit
5,000 Skywards Miles on annual renewal
There is no flat renewal benefit. Recurring value sits in the fee waiver and in any milestones recorded in the milestones array — and ICICI releases milestone benefits only after the fee has actually been paid.
Milestone Benefits
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹5,000/yr |
| Renewal Fee | ₹5,000/yr |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn, subject to a minimum of ₹500. |
| Reward Redemption Fee | 99 |
