ICICI Bank Sapphiro Credit Card

ICICI Bank

A well-rounded mid-premium travel card — lounges, welcome vouchers, and decent international spend rewards.

priority:lounge domesticpriority:lounge premiumTravel pointspriority:vouchersDining rewardsFuel surcharge waiver

₹6,500

Joining fee

₹3,500, waived at ₹6L spend

Annual fee

Waived if annual spend exceeds Rs 6,00,000.

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: 21–65

Salaried min Rs 75,000/month or self-employed min Rs 9,00,000/year

Lounge access

8 domestic / 2 international visits per year

Domestic stated as 2 visits/quarter; international stated directly as 2/year.

Key features

Reward details

2 points per Rs 100 on domestic spend

Welcome bonus: Welcome vouchers worth over Rs 13,000 (aggregator); official states a similar welcome voucher value

Rs 4,00,000 annual spend: Rs 4,000-equivalent bonus (part of up to 20,000 points/year)
Each additional Rs 1,00,000 spend: 2,000 points

Redemption

Travel, health/beauty, shopping vouchers, home appliances, electronics, fashion.

Rs 3 crore air accident insurance (international travel only)
BOGO BookMyShow movie offer up to Rs 500 off, twice monthly, gated by Rs 25,000+ quarterly spend
Up to 4 complimentary golf rounds monthly, based on prior month's retail spend
1% fuel surcharge waiver on transactions up to Rs 4,000

Real-world feedback

Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.

Praise

Complaints

High annual fee — Paisabazaar
Spend conditions required to unlock domestic lounge access and golf benefits — Paisabazaar
Overall reward rate considered low compared to other premium cards — Paisabazaar

Sources