Credit Card Rating
/ 5 ( Reviews)
Rate ICICI Bank Sapphiro Credit Card
ICICI Bank Sapphiro Credit Card is a premium credit card best suited for the frequent traveller (Domestic & International). Complimentary Dragon Pass Membership, Visa Lounge Access and Golf privileges are some of its premium features. The card is offered in two network variants- Mastercard and American Express. Other details of the credit card are given below.
Best suited for
Annual Fee: ₹ 3500
waived off if spend > ₹6,00,000 in the previous year
Joining Fee: ₹ 6500
Invitation based premium credit card for Golf, Travel and Rewards
*Offers are from Paisabazaar's partner Banks & NBFCs.
Eligibility and Documentation
|Occupation||Salaried or Self-employed|
|Minimum Income for Salaried Applicants||Rs. 9,60,000 per annum|
|Minimum Income for Self-employed Applicants||Rs. 10,00,000 per annum|
|Serviceable Cities||Click here for the list of eligible cities|
Along with a duly filled application form, you will be required to submit valid proof of identity, address and income. Find the list of acceptable documents below.
Shopping and Travel vouchers worth Rs 10,000.
Get complimentary lounge access in the following manner:
Get 2 free domestic airport spa visits per calendar year via DragonPass Membership. Also, get offers on shopping, restaurants and limo rental through the DragonPass app.
Use the concierge service any time of the day to get gifting ideas, make restaurant, travel, and hotel reservations or to get doorstep delivery of movie tickets.
Get the following Milestone Benefits:
PAYBACK Points earned per Rs. 100 on various spends are:
Get exclusive benefits provided only to ICICI Bank Sapphiro American Express credit cardholders. The benefits are:
The feature makes online shopping easier. User will just have to share the User ID and not the credit card details at the time of payment.
Pay off utility bills, insurance premiums, phone bills and other bills automatically using this feature.
Customers earn PAYBACK Points in the following manner:
MasterCard, via MasterCard moments website, offers discounts on hotel stays, dining and more. Click here to visit the website.
/ 5 ( Reviews)
Rate ICICI Bank Sapphiro Credit Card
Fee and Charges
|Joining Fee||Rs. 6,000|
|Annual Fee||Rs. 3,500|
|Cash Advance Transaction Fee||2.50% of the amount/ Min. Rs. 300|
|Reward Redemption Fee||Rs. 99|
|Finance Charges||3.40% per month / 40.80% p.a.|
|Overlimit Charges||2.50% of the over-limit amount/Min. Rs. 500|
|Late Payment Charges||Nil for amount due less than Rs. 100|
Rs. 100 for amount between Rs. 100 and Rs. 500
Rs. 500 for total amount due greater than Rs. 501 and up to Rs. 10,000
Rs. 750 for total amount due greater than Rs. 10,000
|Surcharges||1% /Min. Rs. 10 on fuel transaction1.80% of the transaction value for Internet railway bookings and 2.50% for other railway bookings.|
|Foreign Transaction Fee||3.50% of the amount|
How to Apply for ICICI Bank Sapphiro Credit Card
You can easily apply for ICICI Bank Sapphiro Credit Card through Paisabazaar by following the steps given below:
ICICI Bank Sapphiro Visa Credit Card can also be applied through the Bank’s website or through a visit at the ICICI Bank branch.
What are the income requirements for ICICI Bank Sapphiro Credit Card?
ICICI Bank has not disclosed the income requirement for ICICI Bank Sapphiro Credit Card. However, the same will be disclosed to the user when they show interest in applying for the credit card.
How much can I expect to save via ICICI Bank Sapphiro Credit Card?
You can save up to Rs. 1,95,030 via the rewards, complimentary memberships, etc. offered by ICICI Bank Sapphiro Credit Card. The details are given below:
|2 international airport lounges visits||3,000|
|2 spa sessions at airports in India||1,500|
|Free Mastercard or American Express Lounge||16,000|
|2 BookMyShow tickets per month||12,000|
|Access & golf rounds at golf courses (India/Abroad)||1,40,000|
|Rewards on annual spend of Rs 5.00 lakh on domestic purchases||3,500|
|Milestone rewards on spending Rs 10.00 lakh||4,000|
|1% fuel surcharge waiver||600|
Which variant of ICICI Bank Sapphiro Credit Card should I apply for?
The differences between the two variants are almost negligible except in terms of reward points offered. American Express cardholders will earn 50% more reward points compared to Mastercard variant. However, Mastercard variant provides more offers.
How much time will it take for the delivery of redeemed items?
The redeemed items will reach you within 10 working days.
How can I redeem PAYBACK Points?
You can redeem the reward points into cash by calling on 080-40146444. The cash amount will be credited to your credit card account within 7 working days.
To redeem points against an item in the reward’s catalogue call PAYBACK on 1860-258-5000. Alternatively, you may place an online redemption request at PAYBACK’s website.
|Credit Card||Annual Fees||Comparative Features|
|HDFC Regalia Credit Card||Rs. 2,500|
|ICICI Bank Rubyx Credit Card||Rs. 2,000|
|Axis Vistara Signature Credit Card||Rs. 3,000|
|RBL World Safari Credit Card||Rs. 3,000|
|HDFC Regalia First Credit Card||Rs. 1,000|
|Credit Card||Annual Fee||Key Feature||Paisabazaar Rating|
|Earn 6 Reward Points per Rs. 100 spent on Departmental Stores, Groceries, Dining, Movies, Entertainment and International expenditure|
Enjoy Fuel Surcharge waiver
|Access to International Airport Lounges|
Free Overseas Insurance
|Get complimentary Club Vistara Silver Membership|
Earn 4 Reward Points for every Rs.200 spent
|Get up to 10% value back as Reward Points on train tickets at IRCTC website for AC1, AC2 and AC CC categories|
Earn 1 Reward Points on every Rs.125 spent