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ICICI Bank Sapphiro Credit Card

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4

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Beginner

Best For: Lifestyle

From

HPCL Super Saver ICICI Credit Card

Approval Rate:

Elementor Single Post #221

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AU Bank Zenith+ Credit Card

The ICICI Bank Sapphiro Credit Card is designed for individuals seeking premium lifestyle privileges across travel, dining, entertainment, and golf. Cardholders enjoy complimentary access to both domestic and international airport lounges, enhancing travel comfort. The card offers up to four complimentary rounds of golf monthly, based on eligible spending, catering to golf enthusiasts. Entertainment benefits include "Buy One Get One" offers on movie and event tickets through BookMyShow. Additionally, the card provides a minimum of 15% savings on dining bills at over 2,500 restaurants across India through the Culinary Treats Programme. The unique selling proposition of the Sapphiro Credit Card lies in its comprehensive suite of luxury benefits, making it an ideal choice for those aiming to elevate their lifestyle experiences.

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Fees & Charges

Rewards

Features

Tools

Eligibility

Pro's & Cons

Card Details

Type of Card

Lifestyle

Reward %

1% - 2%

Joining Fees

₹

6500

Renewal Fees

3500

APR

45%

Welcome Benefit

Within 45 days, complimentary vouchers which we get are: ₹3,000 from Tata CLiQ ₹1,500 from Croma ₹4,000 from EaseMyTrip ₹1,000 from Uber. Which rounds-off upto ₹9,500 in welcome perks

Renewal Benefits

20,000 PAYBACK points credited annually on Renewal.

USP's:

Great Welcome Benefits and also Attractive reward rate of 2%

Fees & Charges

Joining & Renewal Fees

Rs.6500, Rs.3500

Interest & Charges

APR: 45% per annum
Forex Fees: 3.5%
Cash Advance Fee: 2.5% of the amount withdrawn or minimum of Rs.500 ( whichever is higher)
Late Payment Fees:
₹101 to ₹500: ₹100.
₹501 to ₹1,000: ₹500.
₹1,001 to ₹5,000: ₹600.
₹5,001 to ₹10,000: ₹750.
₹10,001 to ₹25,000: ₹900.
₹25,001 to ₹50,000: ₹1,000
Over ₹50,000: ₹1,200

Additional Charges

Reward Redemption Fee:
Rs99 per redemption request.
Add on card Fee: Rs.199

Rewards

Rewards on Eligible Spends

International Spends : 4 Reward Points

Milestone Benefits

Yearly : Spend 4Lakhs< Bonus 4000 RPsYearly : Spend 5Lakhs< Bonus 2000 RPsYearly : Spend 6Lakhs< Bonus 3000 RPs / Renewal Fee Waived Off.Yearly : Spend 7Lakhs< Bonus 2000 RPsYearly : Spend 8Lakhs< Bonus 2000 RPsYearly : Spend 9Lakhs< Bonus 2000 RPsYearly : Spend 10Lakhs< Bonus 2000 RPsYearly : Spend 11Lakhs< Bonus 2000 RPsYearly : Spend 12Lakhs< Bonus 2000 RPs

Exclusions

Fuel, Jewellery, Rent, Wallets, UPI, Skill Based gaming

Rewards capping

Rewards Validity

3 years from accural

Redemption modes

Airline Transfer
Catalouge Products

Additional Features

travel-3d

Lounge Benefits

  • Domestic : 4 per quarter
  • International : 2 per year
  • Airport Spa : 2 per year
cashback-3d

Insurance Benefits

  • Card Liability Cover Worth 50k
  • Air Accidents Insurance Worth Rs.3Cr
3902003

Other Perks

  • TATA Cliq Voucher Worth Rs3000
  • BookMyShow Buy 1 Ticket and Get 1 Free
  • EaseMyTrip Vouchers Worth Rs 4000 ( 4*1000 Each )
  • UBER Vouchers Worth Rs1000 ( 4 Vouchers Rs250 each )
  • CROMA Voucher Worth Rs1500

Eligibility Criteria

Age

18Y

Min

60Y

Max

Credit Score

720

Ex Min

Income

(

Salaried & Self Employed

)

₹

Rs. 5 Lakh and above

Other: Card-to-card eligibility requirements.

Pros

Complimentary domestic and international airport lounge access, enhancing travel comfort.
Up to four complimentary rounds of golf per month based on eligible spending.
"Buy One Get One Free" offer on movie and event tickets via BookMyShow.
Minimum 15% discount on dining at over 2,500 restaurants across India through the Culinary Treats Programme.

Cons

Slightly High annual fee, with a waiver only upon meeting high spending criteria.
Foreign currency markup fee of 3.5%, making it costly for international transactions.
Lounge access and golf privileges are conditional upon specific spending requirements.
Limited accelerated reward categories compared to other premium credit cards.

Terms and Conditions *