Summary
A high-end and ultra-chic ICICI Sapphiro Credit Card is in store for people with a taste for luxury, travel, and the Best of Entertainment. ICICI Sapphiro Credit card brings along both Visa and Mastercard options and each one comes with amazing perks.
The usage of the card brings free access to airport lounges that come with the benefit of 2 domestic lounges per quarter and 2 international lounges per year through the Dreamfolks program. Travelers also enjoy a 2% lower forex markup through this card, which makes their international spending more affordable.
If you are a fan of the cinema the card offers a Buy 1, Get 1 Free movie ticket, twice a month, with a maximum price of ₹500 per ticket on BookMyShow. Dining enthusiasts are entitled to avail of an up to 15% discount at selected restaurants via the Culinary Treats Program.
Introduction
In the modern digital era, the credit card has become a necessary money tool. ICICI Sapphiro Credit Card is a good option in this context. Sapphiro Credit Card, besides being a good facility for convenient shopping, the benefits attached to it make it unique as well. If you are a business traveler, a regular shopper, or wish to earn cashback and points, then ICICI Sapphiro Credit Card can be an even better option for you.
With ICICI Credit Card, customers are offered many cashback facilities and reward points, which give them additional facilities during shopping. Besides that, if you are booking flights or hotels, then you are offered special discounts and offers as well, which makes your experience better. Sapphiro credit card holders are also offered the benefit of credit card facilities all around the world so that they can shop conveniently both locally and internationally.
Another feature of the credit card is that it also gives you lifestyle and travel-related facilities for one year. In this, you can also take advantage of different types of loyalty programs through your credit card. Apart from this, many security measures are also associated with ICICI Sapphiro cards, such as fraud protection and email alerts, so that you can keep your transactions safe.
In today’s article, we will discuss in detail about Sapphiro Credit Card. In which we will tell you in detail about its benefits. Along with this, we will also discuss the fees of Sapphiro Credit Card in this article and will also discuss in detail how to apply for it. So read this article till the end so that you do not have any problems later.
What is the ICICI Sapphiro Credit Card?
The Credit Card is a high-end credit card crafted by ICICI Bank for those seeking higher quality and special experiences in life. ICICI Credit Card gives you some wonderful benefits and features like reward points, cashback, and special travel offers.
Sapphiro cardholders can accumulate reward points against their spending, which can be exchanged against various products and services. Besides this, special discounts are also offered on travel, shopping, and dining via ICICI Credit Card, thus lowering your bills.
How is the ICICI Sapphiro Credit Card designed?
ICICI Credit Card is a high-end card for individuals with high incomes who enjoy luxury and exclusive perks. It is equipped with a stylish appearance, presenting an air of exclusivity. The card has two variants – Visa and Mastercard, with exclusive perks.
It is filled with advantages such as travel rewards, airport lounge rewards, dining offers, and entertainment benefits. The card also offers a low foreign exchange margin, which is perfect for international travel. With a welcome reward, milestone reward, and lifestyle rewards, the ICICI Credit Card is perfect for those who need a combination of luxury and savings.
What are the benefits of the ICICI Sapphiro Credit Card?
Here are some of the key benefits of actual reward points:
- Travel Benefits
- Airport Lounge Access – Get 2 free domestic lounge visits a quarter and 2 free.international lounge visits a year under the Dreamfolks scheme.
- Low Forex Markup – Minimum 2% markup on foreign currency purchases.
- Dine Benefits
- Savor a discount of up to 15% at participating restaurants through the Culinary Treats Program.
- Entertainment Benefits
- Make the most of the BookMyShow movie ticket deal – Buy 1, Get 1 Free, available two times a month (Maximum discount per ticket: ₹500).
- Reward Points
- Earn 4 Reward Points for every ₹100 spent on regular purchases.2 Reward Points.
- For every ₹100 purchase of insurance premiums and utility bill payments.
- 1 Reward Point = ₹0.25, i.e., 100 Points = ₹25 saved.
- Welcome & Milestone Rewards
- Welcome Gifts of ₹9,000 with travel vouchers and shopping vouchers.
- Bonus Reward Points: Maximum 20,000 bonus points in a year on spending milestones.
What are the fees for the ICICI Sapphiro Credit Card?
Here is a simple Credit Card fee breakup.
| Joining Fee | ₹6,499 = GST per year. This will be waived if you spend 3,00,000 or more in a year. |
| Annual Fee | ₹3,499 = GST per year. This will be waived if you spend 6,00,000 or more in a year. |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | If you don’t pay your bill in full, 3.5% per month (48% annually) on the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an ICICI Sapphiro Credit Card?
The following are the primary requirements:
- You must be between 18 and 70 years old to apply for the ICICI Credit Card.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs 18 lakhs usually does the job.
- A secured income ensures regular, timely payments on the credit card bill. Any amount above it increases the probability of approval.
- Your credit score plays a role in the selection process. It is a tendency for ICICI Bank to favor borrowers with a better credit score usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get an ICICI Sapphiro Credit Card?
The documents that you will have to submit to Get a 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 employee bank statement for the last 3 months ITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the ICICI Sapphiro Credit Card be used?
Here is the list of places where you can use it:
- With the 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 Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The 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 Sapphiro Credit Card?
The credit amount you can spend is what you are provided with an ICICI 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 aaICICI 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 Sapphiro Credit Card.
- Just hover your cursor on the 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 submitting 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 Sapphiro Credit Card.
- Request for the credit card application form for the Sapphiro Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- 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 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, or mobile app or by calling their customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting an ICICI Sapphiro Credit Card in 2025 be right?
Yes, getting an ICICI 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
The ICICI Credit Card is truly a versatile card that will enhance any financial experience on the cardholder’s end. This card does all that while offering unique benefits and features that give an air of luxury to the shopping experience. The Sapphiro Credit Card primarily aims to provide a premium experience that combines earning rewards points, cash back, and special discounts while traveling.
The ICICI Sapphiro Card serves someone who loves to travel or shop. Amazing travel benefits include lounge access and discounts at various restaurants, making your trips even nicer. Moreover, the credit card gives you special access to events and promotions which allows you to save big on your expenditures.
The fees associated with the Sapphiro Credit Card such as the annual fee and late payment charges must be understood. Consider these costs before applying for the card. This, in turn, will help you in arriving at an informed decision making it easier to manage financial duties.
Frequently Asked Questions (FAQ’s)
Ans: No, minimum income criteria are there for Credit Card. On average, it is Rs 6 lakh per annum, however, it also varies on an individual’s financial status.
Ans: No, late payment carries a penalty fee on the Credit Card. This fee may vary depending on your outstanding amount.
Ans: Yes, as one of the perks for ICICI Credit Card holders, they are entitled to lots of special privileges such as dining, travel insurance, points accrual merchandising, etc.
Ans: Yes, a good credit score is required to apply for the Sapphiro credit card, usually above 750.
Ans: If your credit card is lost, blocked,d or stolen, contact ICICI Bank customer care at once and block the card.
