Will I get protection against misuse of my ICICI Bank Sapphiro Credit Card?

Yes, the ICICI Bank has implemented multiple safety features like advanced chip technology, 3D security and strict PIN requirements to protect Sapphiro card users from fraud.

Can I pay with EMIs on the ICICI Bank Sapphiro Credit Card?

Customers can convert eligible transactions made through the ICICI Sapphiro Credit Card into EMIs by using channels like customer care, internet banking or the iMobile app.

When will I get my ICICI Bank Sapphiro Credit Card PIN?

Your four-digit PIN will arrive by mail, separate from your credit card, within seven business days of issuance of the card.

Is a good credit score required to opt for an ICICI Bank Sapphiro Credit Card?

Yes, the ICICI Bank prefers a minimum credit score of 750 or higher to issue most of its credit cards.

How to redeem the points on my ICICI Bank Sapphiro Credit Card?

You can redeem your ICICI Bank Sapphiro Credit Card reward points using online net banking or the iMobile Pay app. Access your mobile banking app to find the credit cards section. Then, select "Reward Points," and click "Redeem Online" to redeem your rewards online.

ICICI Bank Sapphiro Credit Card - Features & Benefits

Name: ICICI Bank Sapphiro Credit Card
Brand: Credit Card
Rating: 4.7 (10016 reviews)

When you pay the joining fee for the ICICI Sapphiro Credit Card, you instantly receive travel and shopping vouchers worth ₹10,000. Plus, enjoy free lounge access at airports and select golf courses with this card!

As part of ICICI Bank’s Gem Collection, the Sapphiro Credit Card offers a wide range of exclusive privileges and lifestyle rewards. With over 17 million active credit cards reported by ICICI Bank in the financial year 2024, it is clear that a growing number of Indians trust the bank for premium credit card experiences.

To learn more about the ICICI Bank Sapphiro Credit Card, continue reading.

Features and Benefits ICICI Bank Sapphiro Credit Card

Among the top three issuers of credit cards are ICICI Bank, HDFC, and SBI, with ICICI Bank making a significant impact in the industry. One of the standout credit card options offered by ICICI Bank is the Sapphiro card.

Below are some of the key benefits and features of the ICICI Sapphiro Credit Card:

1. Rewards Program:

The ICICI Sapphiro Credit Card is a premium choice for individuals who are looking to earn rewards on every card expense. Here is how you can earn the rewards:

On Overseas Spends: The bank gives you 4 reward points for every ₹100 spent through your card.
On Domestic Spends: You get 2 reward points against every ₹100 spent.
On Insurance and Utility Expenses: You are awarded 1 cashback point for every ₹100 spent.

The accumulated reward points of your ICICI Bank Sapphiro Card can be redeemed against multiple categories available in the iMobile app.

2. ICICI Sapphiro Credit Card Lounge Access at Airports:

Two complimentary international airport lounge access every year, along with a Priority Pass membership. Four complimentary domestic airport lounge access per quarter upon spending ₹75,000 or more quarterly.

3. Offers on Movie Tickets:

With the ICICI Sapphiro Credit Card, you can purchase any movie ticket on BookMyShow and get up to ₹500 off on the second ticket. This offer can be availed twice every month.

4. Check off Milestones, Earn Rewards:

Few are probably aware that they can earn a maximum of 20,000 reward points annually by spending ₹12 Lakhs or more using their ICICI Bank Sapphiro Credit Card. Here is how the milestone benefits work for you:

You earn 4,000 reward points after completing ₹4 Lakhs yearly spend.
After the 4 Lakh limit, you start getting 2,000 reward points for every additional ₹1 Lakh spent.

5. Welcome Bonus:

As soon as you apply for the Sapphiro Credit Card and the application gets approved, you become eligible for vouchers worth ₹9,000 from EaseMyTrip, Uber, Tata Croma, and Tata CLiQ. To activate the vouchers, you must pay the joining fee first.

6. Fee Waiver:

While the Sapphiro card is not a lifetime free credit card, spending ₹6 Lakhs in a year ensures your annual card maintenance fee is completely waived.

7. Insurance Benefits:

After owning the ICICI Bank Sapphiro Credit Card, you can get a maximum of ₹3 Crores as an aeroplane accident cover. The recent Air India AI 171 crash in Ahmedabad has highlighted the importance of understanding and utilising this benefit, as air accidents, though rare, can have severe financial consequences for families.

8. Payback Points Applicable on Card Purchases:

While using the ICICI Sapphiro Credit Card, if your annual transaction crosses the ₹4 Lakh benchmark, you get 4,000 Payback points as per the milestone program. For each transaction up to ₹100, you get the chance to earn up to 6 Payback Points.

9. Complimentary Golf Rounds:

Each month, you can enjoy up to 4 free golf rounds or sessions. Additionally, fuel surcharges at pumps are discounted by 1%.

10. Discounts on Dining:

Finally, an ICICI Sapphiro card can provide you with a flat 15% dining concession at many selected restaurants. However, you must check the i-Assist services to figure out which restaurants come under the ICICI Bank Culinary Treats Program before availing this offer.

Eligibility Criteria to Apply for ICICI Bank Sapphiro Credit Card

Before you explore the steps to apply for a credit card online or offline, it is essential to know the eligibility criteria. For instance, the ICICI Sapphiro Credit Card seekers must fulfil the following conditions:

The age of the primary cardholder should be at least 23 years. Add-on cardholders must be at least 18 years of age.
Applicants should stay in India.
During the application, it is essential to have a good credit score to avoid the chances of rejection.
Also, while applying, one should provide their PAN card or Form 16.

Fees and Charges for ICICI Bank Sapphiro Credit Card

The table provided below gives the latest charges associated with the ICICI Bank Sapphiro Credit Card:

Charge Type	Amount
Joining Fee	₹6,500 (without GST)
Annual Card Maintenance Fee	NIL for the first year ₹3,500 + GST from the second year onwards
Interest Levied on Cash Advance Facility	Annual rate: 40.80% Monthly rate: 3.40%
Overlimit fee	Normally, 2.50% of the over-limit amount is charged, with the minimum fee being ₹500
Cash advance transaction fee	2.5% of the amount utilised or ₹300 (whichever is greater)

The ICICI Bank Sapphiro Credit Card is a premium choice for those seeking lifestyle perks, travel benefits, and high reward potential. With features like lounge access, milestone bonuses, insurance coverage, and EMI options, it is ideal for value-driven, high-spending users.

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