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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.

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:


Value of the Voucher


₹4,000 (₹1,000 x 4)






₹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)




Insurance and Utilities


Additionally, you can earn up to 4,000 points on spending ₹4 Lakhs and thereafter 2,000 points every time you cross the ₹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 American Express and Mastercard variants.

  • International Lounge Access and Domestic Spa Sessions

With your ICICI Bank Sapphiro credit card, you get 2 complimentary lounge visits at international airports and 2 spa visits at domestic airports 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 golf rounds each month at a golf course of your choosing. 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.

ICICI Sapphiro Credit Card Eligibility Criteria and Documentation

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

How to Apply for the ICICI Sapphiro Credit Card

To apply for the ICICI Bank Sapphiro credit card, simply follow these steps:

  • Step 1: Visit the ICICI Bank website.

  • Step 2: Click on the ‘Credit Card’ banner and select the ICICI Sapphiro credit card from the drop-down menu.

  • Step 3: Next, click on the ‘Get Sapphiro Card’ option.

  • Step 4: Enter your Aadhaar-linked mobile number to register for the card.

  • Step 5: Fill up the application form with your personal, income, and employment details.

  • Step 6: Scan and upload all the supporting KYC documents

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

ICICI Sapphiro Credit Card Reward Redemption

You can redeem your ICICI Bank Sapphiro credit card rewards in one of the following two ways:

  • For Cashback - To redeem your Sapphiro credit card rewards as cash back against your statement balance, you can call 08040146444. Once you’ve placed the redemption request, your reward points will be credited as cash credit to your account within the next 7 days. 

  • For Items on Gift Catalogue - You can also redeem your credit card rewards for items listed on the git catalogue. To do so, you have to call 1860-258-5000 to redeem the points against a gift item which will be delivered within 10 business days. 

ICICI Sapphiro Credit Card Customer Care Number

It is always advisable to get in touch with the team of ICICI Credit Card Customer Care in case of 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

  • 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 ICICI Bank Sapphiro Credit Card

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

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

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.

The Sapphiro credit card from ICICI Bank is a premium level credit card that is available in 2 network variants — Visa and Mastercard. 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.

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.

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

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.

There is more than one way to pay your ICICI Sapphiro Credit Card bill. You can set-up an auto-debit mandate for your ICICI Bank account to pay your card bill every month without delays. You can also complete the payment via the ICICI iMobile app. If you’re using another bank account to pay for the card,, you can opt for the NEFT payment route. 


Apart from this, you can also choose to pay your bill by cheque or a Demand Draft (DD). You can also deposit the cash amount at your ICICI Bank branch. However, doing so will cost you a little extra as there are add-on charges levied with this payment mode. 


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.

When you apply for the ICICI Sapphiro credit card, you have to pay a joining fee of ₹6,500 + GST. The card comes with an annual fee of ₹3,500 that waived off on yearly spends of over  ₹6 Lakhs. The applicable interest rates on the card stand at 3.4%, while the foreign currency fee is capped at 3.50% of the transacted amount. 


If you withdraw cash using this credit card, you will incur a charge of at least ₹300 or 2.5% of the cash withdrawn (whichever is lower). Other charges include late fees of up to ₹1,200, overlimit charges of 2.5% of the overlimit amount, and a reward redemption fee of  ₹99.

A monthly interest rate of 3.4% is applicable on ICICI Bank Sapphiro credit cards. This aggregates to an interest rate of 40.8% on an annual basis. 

With the ICICI Bank Sapphiro credit card’s premium benefits, you can save up to ₹1.95 Lakhs. The expensive benefits of the card include international airport lounge visits, spa sessions, monthly BookMyShow tickets, spend-based milestone benefits, golf course access, etc. All these benefits add up to a total of ₹1.95 Lakhs. 


However, this is the maximum savings you can reap from the premium benefits on the card. Your actual savings will depend on the way you use the credit card. 


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