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ICICI Bank Sapphiro Credit Card

The ICICI Bank Sapphiro credit card is a part of the ICICI Gem Collection of cards. With this premium credit card, you get to enjoy extensive lifestyle privileges across various categories like dining, travel, entertainment and even gold. Get to know all about this card with the help of the detailed ICICI Sapphiro credit card review below.

Key Highlights of the ICICI Sapphiro Credit Card

Get to know the key highlights of the ICICI Bank Sapphiro credit card in the table below.

  • Type of Card: Top-level credit card

  • Category of Card: Special credit card

  • Membership Fee: ₹6,500 plus GST 

  • Annual Renewal Fee: ₹3,500 plus GST (waived off spends above ₹6 lakh during the year)

  • Income Requirements: ₹80,000 or above per month for salaried individuals and ₹83,333 or above per month for self-employed individuals 

  • Best Features of the Card: 

  1. Access to the Dreamfolks Pass, the world’s first all-in-one Digital Airport platform

  2. Complimentary access to 4 domestic airport lounges per quarter and 2 international airport lounges per calendar year

  3. Up to 4 complimentary rounds of golf each month

  4. On bookings of 2 movie tickets, discounts up to ₹500 on the second ticket, twice each month on BookMyShow

How to Apply for the ICICI Sapphiro Credit Card

If you want to apply for the ICICI Bank Sapphiro credit card, then you can easily do so on Bajaj Markets. Here is a step-by-step guide to help you with this.

  • Step 1: Visit the Bajaj Markets website. 

  • Step 2: Go to the ‘Credit Cards’ section. 

  • Step 3: Click on the ‘Apply Now’ button. 

  • Step 4: Enter the details needed, including your mobile number, profession and date of birth, among others.

  • Step 5: Enter the OTP received on your phone and proceed.

  • Step 6: Select the ICICI Credit Card you wish to apply for, which in this case is the ICICI Sapphiro credit card.

  • Step 7: Enter the details needed in the credit card application form accurately, and submit it online.

  • Step 8: You will receive the credit card at the address provided by you after your application is successfully verified. 

Eligibility Criteria and Documents Required for ICICI Sapphiro Credit Card

The eligibility criteria for the ICICI Sapphiro credit card are fairly simple. The documentation required is also very minimal. Get to know both these details below.

1. Eligibility Criteria for the ICICI Sapphiro Credit Card

  • Occupation: Self-Employed or Salaried 

  • Income criteria: ₹80,000 or above per month for salaried individuals and ₹83,333 or above per month for self-employed individuals 

2. Documents Required for the ICICI Sapphiro Credit Card

  • Identity Proof: PAN, Aadhaar Card, Passport, Voter’s ID, Driving licence, or any other government-approved photo ID proof

  • Address Proof: Aadhaar Card, Passport, Driving licence, latest utility bill, Voter’s ID, or any other government-approved address proof

  • Income Proof: Payslips (Latest), Income Tax Return, or Form 16

  • Miscellaneous: A colour photograph of the applicant

ICICI Sapphiro Credit Card Rewards

The powerful ICICI credit card reward points plan designed by ICICI Bank gives you reward points every time you use the Sapphiro card to pay for eligible transactions. Here is a preview of how this works.

Nature of Transactions

Rewards on every ₹100 spent

Domestic transactions (except fuel)

2 ICICI Bank reward point

International transactions

4 ICICI Bank reward point

 

Features and Benefits of the ICICI Sapphiro Credit Card

A big part of the ICICI Sapphiro credit card review revolves around the many benefits and features it comes with. Here is a preview of some of the key advantages you get with this credit card.

  • Exciting Welcome Gifts

On payment of the membership fee, you will receive welcome vouchers worth over ₹9,000 for shopping and travel that can be availed within 45 days after payment of joining fees. The vouchers include:

Brand

Value of the Voucher

EaseMyTrip

₹4,000 (₹1,000 x 4)

TataCliQ

₹3,000

Croma

₹1,000

Uber

₹1,000 (₹250 x 4)

Zomato Pro

₹800 (12-month membership)

 
  • Reward Points Every Anniversary Year

Every anniversary year, earn up to 20,000 reward points on your ICICI Bank Sapphiro credit card. Moreover, based on the category of your spending, the following reward points can be collected:

Spend Category

Points per ₹100

Domestic (Except fuel)

2

International

4

Insurance and Utilities

1

 

Additionally, you can earn 4,000 points on spending ₹4 Lakhs and thereafter 2,000 points every time you cross ₹1 Lakh mark.

  • Domestic Lounge Access

By spending a minimum of ₹5,000 or more on your ICICI Bank Sapphiro credit card in a calendar quarter, you will receive 4 complimentary entry passes to select airport lounges in India, 2 each on Mastercard and American Express variants.

  • International Lounge Access and Domestic Spa Sessions

With your ICICI Bank Sapphiro credit card, you get 2 complimentary international airport lounge visits and 2 domestic airport spa visits per year. In addition to that, you also enjoy complimentary membership of DreamFolks worth USD 99 which offers great deals on shopping, restaurants, and more.

  • ICICI Bank Culinary Treats Programme

Under this programme, which you get to take advantage of if you use the ICICI Bank Sapphiro card, you get exclusive dining offers.

  • Complimentary Rounds of Golf

You also get up to 4 complimentary rounds of golf each month at a golf course of your choice. The number of rounds depends on the eligible spends made with your card. On every ₹50,000 spent in the previous month, you get one round/lesson of golf which can be availed anytime within 2 months.

  • Discounts on Movie Tickets via BookMyShow

The entertainment offer via BookMyShow includes up to ₹500 discount on the second ticket. This benefit can be enjoyed twice a month through the website or mobile application.

Fees and Charges of the ICICI Sapphiro Credit Card

Another important thing to consider before applying for the ICICI Sapphiro credit card is the set of accompanying fees and charges. The table below highlights these details.

Particulars

Fees

Joining fee

₹6,500 + GST

Annual fee

₹3,500 + GST (waived off on spends above ₹3,000 during the year)

Finance charges

3.40% per month or 40.80% per annum

Cash advance fees

3.40% per month or 40.80% per annum

Foreign currency conversion charges

3.5%

Card replacement charges

₹100

Over-limit fee

2.5% of the over-limit amount (subject to a minimum of ₹550)

 

Late Payment Charges

Statement Balance

Late Fee

Less than ₹100

Nil

Between ₹100 and ₹500

₹100 

Between ₹501 and ₹5,000

₹500 

Between ₹5,001 and ₹10,000

₹750

Between ₹10,001 and ₹25,000

₹900

Between ₹25,001 and ₹50,000

₹1,000

Above ₹50,000

₹1,200

 

Why Should You Opt for an ICICI Sapphiro Credit Card?

The ICICI Bank Sapphiro Credit Card comes with a wide range of appealing features that you can benefit from. If you enjoy travelling, shopping, or dining, this credit card will not only offer you great deals on them but also add reward points on every spend. Other additional benefits of this card are:

  • Waiver of 1% surcharge on the purchase of petrol and diesel at any outlet

  • Insurance cover for an air-borne accident up to ₹3 Crores

  • Covers lost credit card liability of up to ₹50,000 2 days prior and 7 days post-reporting

  • 24×7 premium assistance for all your needs available at your doorstep

Considering the overall package of benefits, it may be worth considering to opt for ICICI Sapphiro Credit Card with premium privileges.

ICICI Sapphiro Credit Card Customer Care Number

It is always advisable to get in touch with the team of ICICI Credit Card Customer Care if you have any queries, doubts or complaints about the Sapphiro credit card. Here is how you can do this. 

  • Call them at 1800 1020 1239

  • Email the bank at customer.care@icicibank.com

  • Write to the bank at the following address —

ICICI Bank Limited

ICICI Phone Banking Centre, ICICI Bank Tower, 7th floor, Survey no: 115/27, Plot no. 12, Nanakramguda, Serilingampally,

Hyderabad – 500032

FAQs on the ICICI Sapphiro Credit Card

✔️Is the ICICI Sapphiro credit card good?

The ICICI Bank Sapphiro credit card is a wonderful option because you get the yearly fee returned in the form of numerous vouchers. When you pay the annual renewal cost, you also gain bonus points.

✔️What is the benefit of an ICICI Sapphiro credit card?

The ICICI Bank American Express Sapphiro card is an excellent low-cost solution for frequent travellers interested in airport lounge access. The DreamFolks DragonPass Lounge Access Programme, for example, entitles you to 4 domestic lounge visits every quarter as well as 2 annual domestic airport spa sessions. In addition, the card allows you to visit 2 foreign airport lounges per year.

✔️Is ICICI Sapphiro credit card free?

The ICICI Bank Sapphiro credit card has an annual fee of ₹3,500, making it a popular premium option. However, the annual charge is repaid in the form of welcome vouchers of ₹9,000 or more that the card provides.

✔️What is the ICICI Sapphiro credit card?

The Sapphiro credit card from ICICI Bank is a premium credit card that is available in 2 network variants — Mastercard and Visa. The card is ideal for both domestic and international travellers, and it comes with a number of benefits, including complimentary Dragon Pass membership, access to Visa lounges, golf privileges, and more.

✔️What is the annual fee on the ICICI Sapphiro credit card?

The joining fee is ₹6,500 for the ICICI Bank Sapphiro credit card. The annual fee thereafter is ₹3,500, but it is waived off if you spend at least ₹6 lakh during the previous year.

✔️What is the DreamFolks Membership Programme?

The DreamFolks Membership Programme is the world’s first all-in-one Digital Airport platform. Members enjoy benefits such as access to more than 450 comfortable and luxurious airport lounges across 115 countries around the world, complimentary airport lounge visits, spa sessions and more.

✔️Who should apply for an ICICI Sapphiro credit card?

The ICICI Sapphiro credit card is best suited for high spenders. Since it is a premium card, the fees are on the higher side. But they are waived off if you spend ₹6 lakh during the year. That’s why it is best suited for frequent travellers and shoppers who tend to spend significantly using their credit cards.

✔️Which is the best cash back credit card in India?

There is more than one way to pay your ICICI Sapphiro Credit Card bill. You can conveniently choose from any of the following methods:

 

  • By cheque or Demand Draft (DD)

  • Auto-debit from your ICICI Bank account

  • Cash deposit at the branch

  • Pay online using mobile banking with your ICICI Bank account

  • Pay through NEFT with any other bank account

 

If you are unable to pay via the above-mentioned ways, then you can contact the ICICI bank customer care.

✔️How much amount can I save by using the ICICI Bank Sapphiro Credit Card?

Roughly ₹2 Lakhs can be saved by making the most of all the features and benefits offered by the ICICI Sapphiro Credit Card. This includes lounge access, savings on movie tickets, dining bills, golf rounds, surcharge on fuel, DreamFolks membership fees, and more.