ICICI Bank Sapphiro Credit Card
ICICI Bank
Last verified: 27 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
International spends (any merchant category, transactions made abroad or in foreign currency) | 1% | No cap |
| All other spends | 0.5% | No cap |
Redemption fee: 99
Managed via ICICI Bank Rewards (via iMobile Pay and Internet Banking), ICICI iShop
Transfer partners
Instant Discounts
Requires ₹25,000 or more of card spend in the preceding spends quarter to unlock the offer for the following calendar quarter. Allowance is one booking per month per network variant: dual-network cardholders (Mastercard + Amex, or Visa + RuPay) get two a month, a single-variant card gets one. Apply via BookMyShow 'Apply Offers' > ICICI Bank complimentary tickets offer, entering the card number.
Second ticket free up to ₹500, modelled as 50% off a two-ticket order capped at ₹500. Frequency set to the dual-network maximum that the card page headlines ('twice every month'). Add-on cardholders must meet the ₹25,000 threshold individually.
Live Offers
3 activeICICIBANK20Till 31 MarBenefits
Lounge Access
4 domestic visits/quarter
0.5 international visits/quarter
Domestic: 4 complimentary visits per calendar quarter, unlocked by spending ₹75,000 or more in the preceding calendar quarter (spend window runs from the 26th of the month before the quarter to the 25th of its last month). Dual-network cards (Mastercard + Amex, or Visa + RuPay) get 2 visits per quarter on each card. Primary cardholder only; ₹2 authorisation (₹1 on Amex) at the lounge. International: 2 complimentary visits per year through Priority Pass, primary cardholder only; the uploads state no spend condition for international visits. international_lounge_per_quarter is 0.5 because the entitlement is annual.
Movie BOGO
Buy one movie or event ticket on BookMyShow and get up to ₹500 off the second. Unlocked by spending ₹25,000 or more in the preceding spends quarter, for use in the following calendar quarter (w.e.f. 15 Jan 2026 per MITC; card page says from 1 Apr 2026). One offer per month per network variant, so dual-network cardholders get two a month. Add-on cardholders must each meet the ₹25,000 threshold. Separate cashback offers on the American Express variant were withdrawn from 1 January 2025.
Fuel Surcharge Waiver
1% surcharge waiver on fuel transactions of up to ₹4,000 at any fuel outlet in India (card page), for primary and add-on cardholders; MITC caps the waiver at fuel spends of ₹50,000 per statement cycle and excludes GST at off-us terminals and non-HPCL outlets. Fuel earns no reward points.
Welcome Benefit
Tata CLiQ voucher worth ₹3,000, loaded as CLiQ Cash
EaseMyTrip vouchers worth ₹4,000 (four of ₹1,000; domestic flights only, one voucher per booking)
Da Milano coupon worth ₹5,000 (₹5,000 off a purchase of ₹19,999 or more at MRP; not at airport stores)
Croma vouchers worth ₹1,500 (three of ₹500; each on a single purchase of ₹5,000 or more, select models and brands)
EazyDiner Prime membership for 3 months (worth ₹1,095; new Prime members only)
Insurance Cover
Personal accident cover - air accident (death only)₹3,00,00,000
Personal accident cover (RuPay variant)₹2,00,000
Purchase protection₹1,40,000
Credit shield₹1,00,000
Plane hijacking₹1,00,000
Loss of checked-in baggage₹84,000
Card liability cover (lost card, counterfeit, skimming, phishing, online fraud)₹50,000
Medical expenses from rail or road accident₹50,000
Loss of passport and travel documents₹35,000
Baggage insurance (domestic)₹25,000
Delay of checked-in baggage₹21,000
Missed international connecting flight₹21,000
Flight delay₹17,500
Milestone Benefits
Not every spend counts toward these targets — see what is excluded.
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 | ₹6,500/yr |
| Renewal Fee | ₹3,500/yr |
| Fee Waiver | Spend ₹6,00,000/year |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn, minimum ₹500 |
| Reward Redemption Fee | 99 |
| Min Income Eligibility | Salaried: ₹75,000 per month. Self-employed: ₹9,00,000 per annum. Age 21-65, Indian citizen. |
Spends That Don’t Count
ICICI leaves these categories out when totalling your spend. They still earn rewards where the card pays on them — they just do not move you toward the target below.
Excluded from the fee waiver
Toward the ₹6,00,000/year waiver
- EducationCoaching, College fees, Online courses, School fees
- Everything elseRent, Tax and government fees
Excluded from milestone spends
Toward the milestone targets above
- EducationCoaching, College fees, Online courses, School fees
- Everything elseRent, Tax and government fees
