Summary
The ICICI Bank Sapphiro Credit Card is an ultimate lifestyle credit card for individuals who appreciate traveling, living in style, and saving wisely. With its chic appearance and several features, this card promises a whole lot more than credit—it makes your life better every day.
For starters, the card welcomes you with vouchers worth more than ₹9,000 at best brands such as TataCLiQ, Zomato, and EaseMyTrip. For each use of the card, PAYBACK points are accumulated on domestic and international spends, which can be used for shopping, travel, etc., at a later point in time.
One of the benefits of this card is its airport lounge access in India and outside India, completely free of charge. To crown it all, you get additional free travel insurance, making the credit card perfect for frequent flyers. The card itself is contactless payment-enabled as well as eligible to be accepted globally by Visa and Mastercard networks, a feature that even makes it better.
Also, the ICICI Bank Sapphiro Credit Card gives you up to 15% discount at partner restaurants under the Culinary Treats Programme and 1% fuel surcharge waiver at HPCL fuel pumps. You also enjoy concierge services, which help with travel bookings, delivery of gifts, and so on.
Introduction
Nowadays, everyone wants luxury, convenience, and comfort in one. Credit cards are where they all meet. ICICI Bank Sapphiro Credit Card is one such high-end credit card providing a mix of luxury and elite exclusivity. Made specifically for travel, shopping, and lifestyle reward lovers, this card is unique in its thrilling features and international recognition. No matter if you are a frequent flier, fashionista, or reward point collector, this card is tailored to suit your lifestyle needs.
To begin with, the ICICI Sapphiro Credit Card boasts a wide range of rewards. From complimentary airport lounge access to rewarding cashback on international spends, the cardholders are eligible for various benefits. Also, consumers earn PAYBACK reward points from ICICI on every purchase, which can also be redeemed for vouchers, goods, or even airline tickets in the future. Cardholders, apart from that, also enjoy personalized concierge services in which they are helped with travel, booking, and gift sending – simplifying life and making it fun.
Apart from this, there are a number of travel and dining advantages in the card too. For example, cardholders are offered complimentary access to select airport lounges in India and abroad. Besides that, dining discounts at associate restaurants make every visit worthwhile. Not only that, but the card also offers full insurance coverage, including travel insurance and coverage against lost baggage or flight delays.
One of the best things is that it is very convenient to get the ICICI Sapphiro Credit Card now. With online banking and websites, you are no longer required to visit the bank. You can now apply from home in just a few simple steps. ICICI Bank’s website also offers a hassle-free application process where you can check your eligibility, fill out the form, upload documents, and apply for your request within minutes.
What is the ICICI Bank Sapphiro Credit Card?
ICICI Bank Sapphiro Credit Card is a luxury credit card that targets those who simply adore luxury, travel, and lifestyle rewards. It gives several rewards and privileged benefits to enrich your life on a day-to-day level and make life more convenient. Firstly, this card provides free airport lounge access, dining discounts, reward points, and travel insurance. These are ideal for those who travel frequently or like to indulge in better things.
Additionally, the card is available in two flavors—Mastercard and Visa, and you can pick whichever you like more. Both have the same advantages but are slightly different from each other when it comes to global offers and lounge access schemes. Apart from that, wherever you use the card, you earn ICICI PAYBACK points, which you can further utilize to redeem gifts, book tickets, or get shopping vouchers.
How is the design of the ICICI Bank Sapphiro Credit Card?
The ICICI Bank Sapphiro Credit Card is stylishly crafted, sophisticated, and luxurious in every sense. The card from the very first look appears modern and sleek, allowing it to stand out in your wallet. The card comes with a high-gloss finish having a dark black color, which represents opulence and refinement. Along with that, there is a metallic ICICI Bank mark and highly printed the word “Sapphiro”, which creates a bold and assertive look.
Additionally, the card is available in both Visa and Mastercard varieties, and each of the variations has a slightly different design, but both retain the same superior quality. Besides, the chip is located at the center in front for additional protection and tap-on-pay convenience. Due to the organized layout and the flat surface, it’s comfortable to hold in hand, and you will have the confidence in showing off this smartcard whenever you pay publicly.
What are the benefits of the ICICI Bank Sapphiro Credit Card?
The following are some of the important advantages described in easy-to-understand language with smooth transitions:
1. Welcome Benefits
To begin with, as you sign up, you get welcome vouchers of over ₹9,000 from the likes of TataCLiQ, EaseMyTrip, and Zomato. These vouchers activate when you make the membership fee payment, so your first-hand experience is truly rewarding.
2. Airport Lounge Access
One of the key features is free access to domestic and international airport lounges. That is, you can unwind in luxury before your flight at no extra cost. Being a frequent traveler, this advantage is affordable and contributes to your travel comfort.
3. Reward Points
You earn ICICI PAYBACK reward points on all transactions. For example, you earn:
- 4 points for each ₹100 spent on international transactions.
- 2 points for every ₹100 spent on local transactions (excluding fuel).
- These points can be redeemed to buy gift vouchers, gadgets, or travel deals, giving you more value for every rupee spent.
4. Dining Discounts
Besides rewards, the card offers up to 15% discount on eating out at over 2,500 India partner restaurants through the Culinary Treats Programme. Therefore, no matter whether you eat out casually or on a special occasion, you save and eat to your satisfaction.
5. Travel Insurance
Free travel insurance, such as baggage loss coverage, flight delay coverage, etc., is also offered by the card. This is a godsend for domestic or international travel.
6. Fuel Surcharge Waiver
The card also provides a 1% fuel surcharge waiver on purchasing fuel at HPCL fuel pumps while using the card on ICICI machines. This saves you money on monthly fuel expenses.
7. Concierge Services
Another premium feature is a 24/7 concierge service. You will be assisted in booking a hotel, flight, restaurant, or gift delivery. It’s your assistant, at your fingertips.
8. Luxury Lifestyle Offers
Apart from that, the card also provides special luxury deals, including golf membership, cinema tickets, spa and wellness offers, and shopping deals on certain websites.
What are the fees for the ICICI Bank Sapphiro Credit Card?
Here is a simple breakdown of the ICICI Bank Sapphiro Credit Card fees.
| Joining Fee | Rs. 6,500 + GST (per month) |
| Annual Fee | Rs. 6,500 + GST (per month) |
| Add-on Card Fee | No charges for additional cards for family members. |
| Finance Charges | 3.75% per month (45% annually) on the outstanding balance if you don’t pay your bill in full. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an ICICI Bank Sapphiro Credit Card?
1. Age Requirement:
- You should be between 18 to 65 years of age.
2. Income Requirement:
- Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.
- Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.
3. Employment Status:
- You should have a regular job or business with a fixed income source.
4. Credit Score:
- A CIBIL score of 700 and above is preferred for sanction.
5. Residency:
- You should be an Indian resident and have a valid address proof.
What documents are required to get an ICICI Bank Sapphiro Credit Card?
The documents that you will have to submit to get an ICICI Bank Sapphiro Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months, if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the ICICI Bank Sapphiro Credit Card be used?
Here is the list of places where you can use it:
- With the ICICI Bank Sapphiro Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your ICICI Bank Sapphiro Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The ICICI Bank Sapphiro Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the ICICI Bank Sapphiro Credit Card?
The credit amount you can spend is what you are provided with an ICICI Bank Sapphiro Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.
How do you apply for an ICICI Bank Sapphiro Credit Card?
Apply it through both these modes:
Online Application Process:
- Visit the official website of the ICICI Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by ICICI Bank; for instance, you can choose the ICICI Bank Sapphiro Credit Card.
- Just hover your cursor on the ICICI Bank Sapphiro Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details, including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after you submit it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process:
- You can walk into the nearest ICICI Bank branch to apply for the ICICI Bank Sapphiro Credit Card.
- Request for the credit card application form of the ICICI Bank Sapphiro Credit Card. They will provide you with the form and proceed accordingly.
- Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the ICICI Bank Sapphiro Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the ICICI Bank Card website, mobile app, or by calling their customer service.
- You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.
Would getting an ICICI Bank Sapphiro Credit Card in 2025 be right?
Yes, getting an ICICI Bank Sapphiro Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
ICICI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
In short, ICICI Bank Sapphiro Credit Card is ideal for everyone looking to indulge in a lifestyle of luxury, clever savings, and intelligent budgeting. This is not a credit card—a world of comfort, luxury, and special advantages is your entrance pass. Traveler, shopaholic both online and offline, or high-end restaurant dine-in food lover that you may be, something distinctive awaits at each step at this card.
Firstly, the card offers you a series of rewards and welcome presents that benefit you right from day one. Then, once you keep on using it, you get PAYBACK points that you can easily exchange for shopping, travel, or gift articles. Not only this, but the card even provides you with free airport lounge passes, concierge service, and travel insurance, and thus proves to be a wonderful travel companion. Besides, benefits such as fuel surcharge rebate and meal rebates help you cut down on your lifestyle and daily expenses as well.
Moreover, the convenience of online application also offers the security that you will not need to go to the bank or undergo long documentation. With a few easy steps, you can apply at home and even monitor your application online. It saves time and effort and offers a hassle-free, easy-to-use experience.
Frequently Asked Questions (FAQ’s)
Ans: Yes, the credit card includes free visits to some domestic and international airport lounges quarterly. The free visits vary according to the card network (Mastercard or Visa).
Ans: The card includes travel insurance such as lost baggage, flight delay insurance, and missed connection insurance. Conditions may vary depending on usage and destination.
Ans: Yes, it is accepted worldwide on Visa and Mastercard networks. More reward points are earned on international transactions, also.
Ans: You receive a 1% fuel surcharge waiver on HPCL petrol pumps on payment by swiping the card at ICICI Bank POS terminals. It saves you fuel money.
Ans: Yes, the ICICI Bank Sapphiro Credit Card is contactless, and you can simply tap and pay at enabled points up to the limit allowed.
