ICICI Bank Sapphiro Credit Card
A premium lifestyle card with a generous bundle of dining discounts, movie offers and travel perks. You get spend-based domestic lounge visits, 2 Priority Pass visits a year, golf rounds and accelerated rewards, making it a versatile mid-premium pick.
Why it ranks
- Rich welcome voucher package
- Domestic lounge visits on ₹75,000 quarterly spend, plus 2 Priority Pass visits a year
- Strong dining and movie discounts
- Up to 4 golf rounds a month on ₹50,000 monthly spend
What holds it back
- Annual fee is on the higher side
- Base reward rate is average
- High forex markup despite premium positioning
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A premium lifestyle card with a generous bundle of dining discounts, movie offers and travel perks. You get spend-based domestic lounge visits, 2 Priority Pass visits a year, golf rounds and accelerated rewards, making it a versatile mid-premium pick.
ICICI Bank Sapphiro Credit Card at a glance
| Issuer | ICICI Bank |
| Card network | Mastercard |
| Annual fee | ₹3,500 + GST a year (waived on ₹6 lakh spend); ₹6,500 + GST joining fee |
| Welcome bonus | Joining vouchers worth over ₹13,000 |
| Rewards rate | 4 Reward Points per ₹100 on international spends, 2 on domestic spends, 1 on utilities and insurance |
| Intro APR | N/A |
| Regular APR | Around 42% per annum (3.5% per month) |
| Foreign transaction fee | 3.5% markup on foreign currency transactions |
| Credit needed | Good to Excellent |
| Best for | Lifestyle spenders who want dining, movie and travel perks together |
| Airport lounge access | 4 domestic visits a quarter after ₹75,000 spend in the previous quarter; 2 international Priority Pass visits a year |
Rewards & benefits
- 4 Reward Points per ₹100 on international spends
- 2 Reward Points per ₹100 on domestic retail spends; 1 per ₹100 on utilities and insurance
- Up to 25% off on dining via ICICI Culinary Treats
- Up to ₹500 off a second movie ticket on BookMyShow, twice a month, after ₹25,000 spend in the previous quarter
- Joining vouchers worth over ₹13,000
Eligibility & who it suits
- Indian resident, salaried or self-employed
- CIBIL score of 750 or above recommended
- Age 21 to 65; salaried applicants need ₹75,000 a month
- Valid PAN and KYC documents
How to apply
Check current rates on ICICI Bank’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar India cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | IICICI BankSapphiro₹3,500/yr · IN ICICI Bank Sapphiro Credit CardLifestyle spenders who want dining, movie and travel perks together |
₹3,500/yr | 4 Reward Points per ₹100 on international spends, 2 on domestic spends, 1 on uti… | Joining vouchers worth over ₹13,000 | 3.5% markup on foreign cur… | Good to Excellent | |
| 2 | HHDFC BankHDFC Infinia Metal Edition₹12,500/yr · IN HDFC Infinia Credit Card (Metal Edition)High-net-worth spenders who want top-tier travel and luxury perks |
₹12,500/yr | 3.3% base value, up to 33% on SmartBuy bookings | 12,500 bonus Reward Points on fee payment | 2% markup on foreign curre… | Excellent | |
| 3 | HHDFC BankHDFC Diners Club Black Metal₹10,000/yr · IN HDFC Diners Club Black Metal Credit CardFrequent flyers who want luxury perks on the Diners network |
₹10,000/yr | 3.3% base, up to 33% via SmartBuy | Club Marriott, Amazon Prime and Swiggy One (3 months) on spe… | 2% markup on foreign curre… | Excellent | |
| 4 | AAxis BankMagnus₹12,500/yr · IN Axis Bank Magnus Credit CardPoints maximizers who transfer rewards to airline miles |
₹12,500/yr | Around 4.8% base value, higher via partner transfers | Large bonus EDGE Points or voucher on spend milestone | 2% markup on foreign curre… | Excellent |
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