Emirates Sapphiro Credit Card
ICICI Bank
Mid-tier Emirates co-brand — lounges and miles without the Emeralde-tier income bar.
₹5,000
Joining fee
₹5,000
Annual fee
None available — both official and aggregator confirm no annual fee waiver exists (Rs 5,000 fee); aggregator flags this as a common complaint.
3.5%
Forex markup
4.3 / 5
Rating
Eligibility
Estimated minimum income: ₹75,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 750+
Estimated — not officially confirmed by the bank.
Age: 21–60
Salaried min Rs 1,50,000/month or self-employed min Rs 18,00,000/year per official page; aggregator states income requirement is 'communicated at application time' (less specific)
Sources disagree: Age band: official states 21+, aggregator states 21-60.
Lounge access
8 domestic / 2 international visits per year
Domestic stated as 2 visits/quarter; international stated directly as 2/year.
Condition: Rs 75,000+ spend in the preceding quarter
Per Quarter: 2
Per Year: 2
Mechanism: Priority Pass (1,400+ lounges, 145+ countries) for applications after 15 Nov 2024, or DreamFolks (650+ lounges, 100+ countries) for earlier applications
Key features
- 5,000 Skywards Miles + Silver Tier on joining
- 2 domestic lounge visits/quarter + 2 international/year
- 2 miles/₹100 domestic & international
Reward details
1.5 Emirates Skywards Miles per Rs 100 on domestic and international spend
Welcome bonus: 5,000 Skywards Miles plus complimentary Emirates Silver Tier membership
- Annual renewal (official) / Rs 1,00,000 annual spend (aggregator, minor discrepancy): 5,000 Skywards Miles
Redemption
Flights, upgrades, hotel stays via Emirates and partners; Silver Tier renewal from year two requires Rs 5,00,000 annual spend per aggregator, not corroborated officially
- Buy 1 Get 1 on BookMyShow (up to Rs 500 off, twice monthly per aggregator) — DISCREPANCY with official's 'movie ticket offers via BookMyShow (requires Rs 25,000 quarterly spend)'; 1% fuel surcharge waiver (Rs 400-4,000, max Rs 250/month); up to 10% Emirates flight discount with promo code INICI26
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Appeals strongly to frequent Emirates flyers who value airline-specific rewards, lounge access, and tier membership perks — Paisabazaar
Complaints
- No option for an annual fee waiver; forex markup of 3.5% called out as high, reducing value for international spenders — Paisabazaar
Sources
- Official — fees, eligibility, lounge, rewards
- Aggregator — forex, rewards, sentiment