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Last updated: 28 September 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
4 Points per ₹100 International
2 Points Domestic
The privileges that come bundled in, beyond the reward points.
2 Intl Lounge visits
BOGO Movie Tickets
Golf Games
An honest read on where this card earns its keep — and where it doesn't.
Golf benefits
Movie offers
Average reward rate
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with ICICI Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how ICICI Bank Sapphiro stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about ICICI Bank Sapphiro fees, reward conversion, lounge access, and application eligibility.
ICICI Bank Sapphiro has an annual fee of ₹6,500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Welcome Vouchers ₹9000".
ICICI Bank Sapphiro earns Points at a primary rate of 4 Points per ₹100 International. Specifically, 2 Points Domestic. Spends in Premium, Lifestyle categories provide the maximum valueback per transaction on this card.
Yes, ICICI Bank Sapphiro features complimentary airport lounge privileges. Privileges include: "2 Intl Lounge visits". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 750 or above is strongly recommended for approval of ICICI Bank Sapphiro. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
ICICI Bank Sapphiro is issued on the Visa or Amex network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
ICICI Bank Sapphiro levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
ICICI Bank Sapphiro currently features a welcome offer: "Welcome Vouchers ₹9000". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Golf benefits and Movie offers. However, keep in mind that Average reward rate. Overall, ICICI Bank Sapphiro delivers strong value if your regular spending aligns with Premium, Lifestyle.
You can apply for ICICI Bank Sapphiro directly through ICICI Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
