ICICI Bank Sapphiro Credit Card
ICICI Bank · Points/miles card · ₹3,500 annual fee
Fees & benefits
| Annual fee | ₹3,500 + GST — waived at ₹6,00,000/yr spend |
| Welcome benefit | ~₹6,500 value |
| Airport lounges | 16 domestic · 2 international / year |
| No rewards on | rent, wallet, fuel, emi |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| 4 reward points per Rs.100 international | 1% | Uncapped | all eligible spend |
| 2 reward points per Rs.100 domestic | 0.5% | Uncapped | all eligible spend |
| 1 reward point per Rs.100 utility/insurance | 0.25% | Uncapped | utility, insurance |
Milestones
Annual movie/travel vouchers: ₹6,000 at ₹4,00,000/yr spend
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
Joining fee Rs.6,500 / renewal Rs.3,500. 16 domestic + 2 international lounge visits/year; welcome voucher bundle worth ~Rs.13,500.
Verified 2026-07-16 against independent official-source verification; reward-point rupee values are modeled (see est. tags).
Quick answers
Is the ICICI Bank Sapphiro Credit Card lifetime free?
No, the annual fee is ₹3,500 (plus GST), waived on spending ₹6,00,000 a year.
What is the highest reward rate on the ICICI Bank Sapphiro Credit Card?
1% — 4 reward points per Rs.100 international. Effective value depends on monthly caps; see the caveats on this page.
Does the ICICI Bank Sapphiro Credit Card give airport lounge access?
Yes — 16 domestic visits/year and 2 international visits/year.
Where the ICICI Bank Sapphiro Credit Card fits
Ranks in our: Credit cards for airport lounge access (#3), Credit cards for grocery spend (#5).
Compare it: ICICI Bank Sapphiro Credit Card vs SBI Card PRIME · ICICI Bank Sapphiro Credit Card vs HSBC Live+ Credit Card.
Best cards by spend: ₹15,000/month · ₹30,000/month · ₹60,000/month. Check if this card's fee is worth it.