ICICI Bank Sapphiro is best for icici customers who want lounge access and milestone points. 2 reward points per ₹100 (4 on international spends).
Effective value back per ₹100 spent. 2 points per ₹100 domestic and 4 per ₹100 international; points valued at ₹0.25.
Estimated yearly value after fees and caps for typical spending patterns.
| Balanced spender ₹3,96,000/yr spend | ₹-2,420 |
|---|---|
| Online shopper ₹3,90,000/yr spend | ₹-2,240 |
| Frequent traveller ₹8,04,000/yr spend | ₹-546 |
| Family & groceries ₹5,88,000/yr spend | ₹-1,670 |
4 domestic visits a year (needs ₹75,000 spend in the previous quarter) + 2 international
Reviews are written by readers and checked by us before publishing. They're personal experiences and don't affect our rankings, which are calculated from card terms.
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The ICICI Bank Sapphiro credit card has a joining fee of ₹6,500 and an annual fee of ₹3,500, plus 18% GST. The annual fee is waived if you spend ₹6,00,000 or more in a card year.
The ICICI Bank Sapphiro card is best for: icici customers who want lounge access and milestone points. Its main strengths are: 2 reward points per ₹100 (4 on international spends); up to 20,000 bonus points a year on milestones. Its main drawback: low base reward rate.
The ICICI Bank Sapphiro card charges a 3.5% forex markup on international transactions, plus 18% GST on the markup.
Yes: 4 domestic visits a year (needs ₹75,000 spend in the previous quarter) + 2 international. Banks often attach spend conditions to lounge access, so check the latest terms.