Sapphiro Credit Card ICICI is one of the most premium cards offered by the bank. The card is provided in two variants– the ICICI Bank Sapphiro Visa Credit Card, and the Mastercard with Visa being the popular one. The card offers an elite lifestyle with unparalleled travel, dining, entertainment, and golf privileges. This card takes users into a world of luxury, making every experience memorable, no matter you are a travel enthusiast, foodie, shopaholic, or golf enthusiast.
The Sapphiro Credit Card ICICI offers extraordinary experiences, allowing users to enjoy the best of life. Enjoy the exclusive benefits of this card to enhance your lifestyle to the best of the best. Apart from this, users will also get a fuel surcharge waiver, annual fee waiver, rewards on every purchase, shopping, and travel vouchers worth ₹ 10,000 on paying the joining fee.
Apart from that, this card offers up to 20,000 payback points every year, and you can enjoy complimentary visits to airport lounges and more benefits. ICICI Bank Sapphiro Credit Card is available at an annual price of ₹ 6,500 and comes with a bundle of bonanzas, attractive deals & user-friendly features to elevate the lifestyle of users.
Key Highlights of Sapphiro Credit Card ICICI
| Key Highlights | FEATURES | DETAILS |
| Joining Fee | ₹ 6,500 + GST | |
| Annual/Renewal Fee | ₹ 3,500 + GST from 2nd year onwards (waived if more than ₹6 lakh is spent in the previous year) | |
| Available for | Salaried & self-employed | |
| Best Suited For | Shopping & travel | |
| Welcome Benefits/Joining Perks | Get welcome vouchers of shopping & travel worth ₹ 9,000 on paying joining fee | |
| Fuel Surcharge Waiver | 1% of fuel surcharge waiver | |
| Min. Income Required | ₹ 80,000 per month (for salaried) ₹ 83,333 per month (for self-employed) | |
| Bonus Rewards | Up to 20,000 bonus Reward Points every year under the Milestone Reward Program |
Benefits of Sapphiro Credit Card ICICI
| Benefits | Details |
|---|---|
| Welcome Benefits | Users will get welcome vouchers for shopping & travel worth ₹9,000 within 45 days of payment of the joining fee: Tata CLiQ voucher worth ₹ 3000 EaseMyTrip voucher worth ₹4000 (four vouchers worth ₹1000 each) Uber voucher worth ₹1000 (four vouchers worth Rs 250 each) and Croma voucher worth ₹1500 |
| Travel Privileges/ Airport Lounge Access Programme | The Sapphiro Credit Card also entitles you to complimentary visits to domestic and international airport lounges with its Visa/Mastercard and Dreamfolk Lounge Access Program. Airport Lounge Access Program: As per the Visa/Mastercard Lounge Access Program, the ICICI Bank Sapphiro Credit Card gives users 4 complimentary access to select partner domestic airport lounges in India. Users can avail 4 complimentary domestic lounge access only when they spend ₹5,000 with this Credit Card in the previous quarter. Dreamfolk Lounge Access Program/DragonPass Membership: This is one of the best benefits that this Credit Card offers. As a Dreamfolks member, you can relax in over 450 comfortable and luxurious airport lounges in 115 countries across the globe regardless of the class or airline you fly or whether you are a member of the airline frequent flyer club. Through this membership, you can enjoy a host of goodies such as 2 complimentary airport lounge visits outside India and 2 spa sessions every year at select airports in India. The annual membership fee of US $99 is complimentary for the Dreamfolks program. You will have to pay lounge visit charges for visits made outside the complimentary access. You can also avail great offers from shopping, and restaurants to limousines through the Dreamfolks app. |
| Entertainment Benefits | Get free movie tickets every time you buy a ticket through BookMyShow. Buy one ticket and get up to ₹500 off on the second ticket on BookMyShow, twice a month. |
| Dining Concessions/Culinary treats | The cardholder can avail a wide range of delicious cuisines by availing min. 15% discount at select restaurants (over 2500+) These restaurants should be a part of ICICI Bank’s Culinary Treats Program-Assist services, it also helps the Sapphiro Credit Card holders to make reservations and referrals for travel, dining, accommodation, and other lifestyle-related amenities. |
| Insurance Benefits | Air accident insurance: Covers up to ₹3 crore. Lost card liability: Covers up to ₹50,000 for losses up to 2 days before and 7 days after reporting. |
| Card Protecion | The card comes with an in-built microchip to protect it from fraudulent transactions. One does not have to go through the hassle of entering the PIN to make online purchases, every Sapphiro Credit Card user is given a personal identification number (PIN) which has to be entered while making purchases with the card at retail stores. To get 3D Secure for your existing credit card, you need to register your card on the official website of ICICI Bank. Features like ‘Counterfeit Card Liability’ and ‘Account Takeover Cover’ act as a defensive shield against malicious use of credit cards. |
| Milestone Benefits | If you pay via your Sapphiro Credit Card up to ₹4,00,000, you can earn 4,000 payback points as per the milestone reward program. Following this, transactions above ₹ 1,00,000 in an anniversary year will fetch 2,000 points |
| Golf Privileges | ICICI Bank Sapphiro Credit Card offers its users 1 complimentary golf session at some of the most premium golf courses in the country based on ₹50,000 spent in the previous quarter. Cardholders can avail of complimentary golf rounds up to 4 times in a quarter. Cardholders need to register their Credit Cards on the official webpage to avail this golf facility. The official website you need to visit is www.teetimes.golftripz.com, The complimentary round of golf will appear in your golftripz a/c after the 10th of the following month. This will be available for you to play anytime in the next 2 months. |
| Rewards Bonanza | Reward points (RPs) per ₹100 spent 2 RPs on Domestic spending and 4 RPs on International Spends, 1RPs on Utilities & insurance spending. |
| Payback Points | One can receive only up to 20,000 points in a year. A cardholder can get up to 6 points for transactions worth ₹100, If you use Sapphiro credit card to purchase fuel or to pay any utility bill or insurance bill, you will get 1 point per ₹100 |
| Fuel Surcharge Waiver | Sapphiro Credit Card ICICI offers a 1% fuel surcharge waiver on fuel transactions up to ₹4,000 at any fuel outlet |
| Annual Fee Waiver | The annual fee for The ICICI Bank Sapphiro Credit Card is ₹ 3,500 from the 2nd year onward. If you spend more than ₹ 5 lakhs in the previous year, your annual fee will be waived |
| i-Assist/ Concierge Service | Your concierge is available 24/7 at service to take care of all requirements. i-Assist helps you book hotels, restaurants, travel, and car rentals. It will also provide you with hotel, restaurant, and flight referrals. You can also order flowers and lovely gifts for your loved ones. You can even avail emergency medical privileges and auto assistance in India. |
ICICI Sapphiro Credit Card Features
- Credit Period With No Interest: Get 18 – 48 days to pay your bills. Whenever you pay your bill fully, a new interest-free period will begin. You can completely avoid interest charges by clearing all statements fully.
- Counterfeit Card Liability: With the help of this unique feature, The users will be protected against any misuse.
- Attractive Interest Rates: Interest rates on your credit card purchases can be as low as 1.25% monthly. In case of default and other negative things, you may have to pay a maximum interest of 3.50% monthly
- Internet Banking: Manage your account online with convenience and ease. Pay your credit card bill and carry out other transactions through the Internet Banking facility
Charges of ICICI Sapphiro Credit Card
| Charge | Amount | |
|---|---|---|
| Joining fee | ₹ 6,500 + GST | |
| Annual fee | 1ST year- Nil 2nd year- ₹ 3,500 +GST | |
| Interest rates/Finance charge | Monthly @ 3.40% Annually @ 40.80% | |
| Foreign currency mark-up | 3.50% of the total transaction value. | |
| Cash advance charges | 2.5% of the total transaction amount (min. ₹300) | |
| Supplementary card fee | Nil | |
| Card replacement fee | ₹ 100 | |
| Reward redemption fee | ₹ 99 + applicable taxes, per redemption request | |
| Fuel surcharge waiver | 1% fuel surcharge waiver on fuel transactions up to ₹4,000 at any fuel outlet (max. ₹250/billing cycle) | |
| Minimum card purchase for annual fee waiver/spend based waiver | ₹ 6 lakh per annum (renewal fee waiver) | |
| Late Payment Fees | For Statement Balance: | |
| Charges | Balance b/w | |
| Nil | Below ₹ 100 | |
| ₹ 100 | B/w ₹ 100 – ₹ 500 | |
| ₹ 500 | B/w ₹ 501 – ₹ 5,000 | |
| ₹ 750 | B/w ₹ 5,001 – ₹ 10,000 | |
| ₹ 900 | B/w ₹ 10,001 – ₹ 25,000 | |
| ₹ 1,000 | B/w ₹ 25,001 – ₹ 50,000 | |
| ₹ 1,200 | Above ₹ 50,000 | |
| Overlimit Fee | 2.50% of the over-limit amount for which you would have to pay the min. amount of ₹500 | |
| Auto-Debit Return Fee | ₹250 or 2% of the total amount payable (whichever is higher) | |
| Cheque Return Fee | 2% off the total amount will be payable, sub. to a min. of ₹250. | |
| Outstation Cheque Processing Charge | 1% of the cheque amount, sub. to a min. ₹100 | |
| Cash Payment At Bank Branch | ₹ 100 | |
| Cheque Or Cash Pick Up | ₹ 100 | |
| Dial-A- Draft Transaction Fee | 3% of the draft value amount for which one will have to pay a minimum fee of ₹ 300 | |
Eligibility Criteria of ICICI Sapphiro credit Card
| Eligibility Type | Criteria |
| Age | Primary cardholders: At least 21 years old. Add–on cardholders: At least 18 years old |
| Income | Min. income for salaried: ₹80,000/month Min. income for self-employed: ₹83,333/month |
| Credit Score/CIBIL | Above 750 |
| Occupation | Salaried/Self-employed |
| Nationality | Indian |
Required Documents for ICICI Sapphiro Card
Applicants will be required to submit proof of identity, address and income along with a duly filled application form for ICICI Sapphiro Card. Given below is the list of acceptable documents:
How to redeem reward points on ICICI Bank Sapphiro Credit Card?
With the ICICI Bank Sapphiro Credit Card, you can redeem your earned RPs against your card’s statement balance or purchase gifts as given below:
- 1 Payback point is worth ₹0.25
- You can redeem these points in the form of cash or gifts
- If you want to redeem the cash points, you can contact customer care by dialing 080-40146444. Your points will be credited as cash credit to your account within 7 days of the redemption request
- You can call on 1860-258-5000, to redeem the points for a chosen gift. The gift will be sent to you within 10 working days.
How to apply for an ICICI Sapphiro Credit Card?
To apply for the Sapphiro credit card, ICICI Bank offers both online and offline options. If you prefer to apply for the card in person, please go to your nearest branch.
Alternatively, you can apply online by following the steps given below:
Step 1: Visit the official website of ICICI Bank
Step 2: Select credit cards from the section cards
Step 3: Scroll down to find the ICICI Sapphiro Credit Card among the Gemstone cards
Step 4: Select the option ‘Apply Now’ and you will see below screen
Step 5: On your screen, an application form will display. Fill it out thoroughly
Step 6: Continue supplying all relevant documents and completing the procedure
Step 7: A bank representative will contact you
How to Track Your Application Status After Applying For ICICI Sapphiro Credit Card
The easiest and fastest way to track your ICICI credit card application status:
- By visiting the official webpage, you can check your credit card application status by entering your registered mobile number, date of birth, and application number
- If you don’t prefer online methods, you can visit the branch and ask ICICI bank officials about your credit card application status
- You can also contact customer care on your credit card to know the status of your ICICI Sapphiro card application
ICICI Bank Customer Care Facility
You can call ICICI Bank’s credit card customer care at 1800 1080. You can also call 1860-120-7777 as a backup number.
To contact ICICI Bank customer care by mail, send your query to customer.care@icicibank.com along with all your personal and account details
If you’re traveling abroad and have a credit card-related query, you can call +91-40-7140 3333
How to activate ICICI Sapphiro Credit Card
There are several ways to activate ICICI Bank Sapphiro Credit Card, as given below:
- Activating your card by logging into your net banking account and then accessing the PIN generation option
- You can also activate your new card through an ICICI Bank ATM. For this, you have to visit your nearest ATM and click on the option ‘Create PIN using OTP’. While activating the card, make sure that you have a registered mobile number
- You can also use the ICICI Bank mobile app, through which you can make banking services easy & convenient
- Another option to activate your Credit Card is to contact your credit card customer care and ask them for guidance
How to pay ICICI Bank Sapphiro Credit Card bill?
Following are the simple ways to pay your ICICI Bank Sapphiro Credit Card bill. See how:
- You can pay your credit card bill by depositing the relevant cheque or DD or cash at any ICICI ATM or bank branch
- Request from your ICICI Bank account to debit your bill amount automatically
- You can access your account through online/mobile banking & pay your bill easily
- You can also dial customer care no. by providing all the required information to pay your credit card bill
- You can use NEFT/“Click to Pay” to pay your bill through another bank account
FAQs
Can I withdraw cash by using Sapphiro credit card?
Yes, you can withdraw cash using your ICICI Sapphiro Card, but there is a limit up to which the cash can be withdrawn. In addition, a cash advance fee of 2.5% (minimum Rs. 500) will be applicable whenever you withdraw the required cash.
How can I join spa sessions through this card?
You can avail of 2 spa sessions every year at select airports in India through Dreamfolk Lounge Access Program/DragonPass membership
Is ICICI Sapphiro Credit Card free?
No, the ICICI Sapphiro Card is not free. It is issued with a joining fee of ₹6,500 and an annual fee of ₹ 3,500 + GST from 2nd year onwards (waived if more than ₹ 6 lakh is spent in the previous year)
What is the credit limit of the ICICI Bank Sapphiro card?
The card limit is different for one cardholder to another
When will I receive my welcome offer of the Bose Headphones?
Yes, the ICICI Bank Sapphiro Credit Card comes with a complimentary set of Bose IE2 Audio Headphones as a welcome gift. The headphones are delivered within 30 days of paying the joining fee of ₹6,500
How do I get my ICICI Bank Sapphiro credit card replaced?
If you have lost your card, it is in the wrong hand or damaged, please immediately close the old card and request for a new card through ICICI Credit Card customer care/internet banking/bank branch. The old card will be blocked and a new card will be issued. The replacement card costs ₹ 100 and will be delivered to you within 7 business days
What if I make a mistake in making my credit card payments?
When you default on any payment, you are automatically charged a penalty. The penalty will be charged based on the amount you owe to the bank. Also, your interest rate may be increased by 3.50% per month. If you repeatedly default on your credit card, ICICI Bank will report you to CIBIL. This will hurt your credit score. To avoid these consequences, make sure you pay at least the minimum amount due.
Is ICICI Sapphiro a premium card?
Yes, The ICICI Bank Sapphiro credit card is the bank’s second most premium and popular card
How to redeem sapphiro payback points?
With the ICICI Bank Sapphiro Credit Card, you can redeem your earned RPs against your card’s statement balance or purchase gifts as given below:
> 1 Payback point is worth ₹ 0.25
> You can redeem these points in the form of cash or gifts
> If you want to redeem the cash points, you can contact customer care by dialing number 080-40146444. Your points will be credited as cash credit to your account within 7 days of the redemption request
> You can call on 1860-258-5000, to redeem the points for a chosen gift. The gift will be sent to you within 10 working days
Do I get personal accidental cover with this card?
Yes, you get an Air Accidental Insurance of ₹ 3 Crores which can be used by the cardholder itself
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