← Part of ICICI Credit Cards in India
The ICICI Bank Sapphiro Credit Card targets high-income Indian residents, requiring a minimum annual salary of ₹9.6 lakhs for eligibility. This premium card offers welcome vouchers worth over ₹9,000 and up to 4 complimentary domestic airport lounge visits per quarter, making IT suitable for frequent travelers and lifestyle enthusiasts.
| Parameter | Details |
|---|---|
| Card Type | Premium Lifestyle & Travel Credit Card |
| Best Suited For | Frequent domestic & international travelers, high-spenders, lifestyle enthusiasts |
| Joining Fee | ₹6,500 + GST |
| Annual Fee | ₹3,500 + GST (waived if annual spending exceeds ₹6 lakh in the previous year) |
| Minimum Annual Salary (Salaried) | ₹9.6 lakhs |
| Minimum Annual Income (Self-Employed) | ₹15 lakhs (as per latest ITR) |
| Minimum Age (Primary Cardholder) | 23 years |
| Minimum Age (Add-on Cardholder) | 18 years |
| CIBIL Score Requirement | At least 750 |
| Welcome Benefits | Vouchers worth ₹9,000 to ₹13,000 (shopping, travel, dining) upon joining fee payment |
| Domestic Airport Lounge Access | 4 complimentary visits per quarter (Mastercard variants), subject to ₹75,000 quarterly spend |
| International Airport Lounge Access | 2 complimentary visits per year via DreamFolks membership |
| Movie Offers | Complimentary tickets on BookMyShow, subject to ₹25,000 quarterly spend (effective Apr 1, 2026) |
| Dining Program | 15% savings via Culinary Treats Programme at 2,500+ restaurants across India |
| Fuel Surcharge Waiver | 1% (maximum ₹4,000 per transaction at HPCL pumps) |
| Air Accident Insurance | Up to ₹3 Crores |
| Concierge Services | 24×7 availability for travel, dining, and entertainment assistance |
| Monthly Interest Rate | 3.4% on outstanding balances |
| Transportation Transaction Charge | 1% on transactions exceeding ₹50,000 (effective Feb 1, 2026) |
The card’s full benefits, from travel perks to dining discounts, are designed to offer significant value, with potential annual savings estimated at ₹2 lakhs for active users.
Sapphiro Card: Premium Benefits
The ICICI Bank Sapphiro Credit Card offers a suite of premium benefits, including welcome vouchers worth up to ₹9,000 and extensive travel privileges. Cardholders receive up to 4 complimentary domestic airport lounge accesses quarterly and 2 international lounge visits annually.
| Type/Category | Details | Key Feature |
|---|---|---|
| Welcome Benefits | Welcome Vouchers | Vouchers worth up to ₹9,000 – ₹10,000 (travel and shopping) upon payment of joining fee. |
| Travel | Domestic Airport Lounge Access | 4 complimentary visits per quarter (Mastercard variants require ₹5,000+ spend in preceding quarter; Visa variants require ₹75,000+ spend in preceding quarter for eligibility). |
| Travel | International Airport Lounge Access | 2 complimentary visits per year with DreamFolks/Priority Pass membership. |
| Entertainment | BookMyShow Offers | Buy 1 Get 1 free on movie/event tickets (up to ₹500 discount on second ticket), twice a month. Eligibility: ₹25,000+ spend in preceding quarter (effective Apr 1, 2026). |
| Lifestyle | Golf Privileges | Up to 4 complimentary rounds/lessons per month. Eligibility: 1 round/lesson for every ₹50,000 spent on retail purchases in the previous calendar month. |
| Dining | Culinary Treats Programme | Exclusive dining offers, including 15% savings on bills at over 2,500 restaurants across India. |
| Insurance | Air Accident Cover | Up to ₹3 Crores aeroplane accident cover. |
| Services | Concierge Services | 24×7 concierge services for travel, dining, and entertainment assistance. |
| Milestone Benefits | Annual Fee Waiver | Annual fee waived if annual spends exceed ₹6 lakhs in the previous year. |
| Milestone Benefits | Reward Points | 20,000 reward points annually and bonus points on reaching ₹4 lakh spending mark. |
| Fuel | Fuel Surcharge Waiver | 1% waiver on fuel transactions, capped at ₹4,000 per transaction at HPCL pumps. |
| Membership | DreamFolks Membership | Complimentary DreamFolks membership, offering access to various travel and lifestyle benefits. |
These benefits are tailored for high-spenders and frequent travelers, offering significant value back when spending conditions are met.
Sapphiro Card: Fees & Charges 2026
The ICICI Bank Sapphiro Credit Card carries a joining fee of ₹6,500 and an annual fee of ₹3,500 plus GST, as of 2026. Cardholders can waive the annual fee by spending over ₹6 lakh in the preceding year, making IT beneficial for high-spenders.
| Metric | Value (₹) | Source |
|---|---|---|
| Joining Fee | 6,500 | ICICI Bank (as of 2026) |
| Annual Fee | 3,500 + GST | ICICI Bank (as of 2026) |
| Annual Fee Waiver Condition | Spend > 6,00,000 in previous year | ICICI Bank (as of 2026) |
| Monthly Interest Rate | 3.4% | ICICI Bank (as of 2026) |
| Add-on InterMiles Sapphiro Card Fee | 250 | ICICI Bank (as of 2026) |
| Sapphiro Debit Card Re-issuance | 200 + GST | ICICI Bank (as of 2026) |
| Sapphiro Forex Prepaid Card Joining Fee | 2,999 | ICICI Bank (as of 2026) |
| Uncapping JPMiles Limit (Jet Airways variant) | 7,500 | ICICI Bank (as of 2026) |
| Fuel Surcharge Waiver | 1% (max ₹4,000/transaction at HPCL) | ICICI Bank (as of 2026) |
| Transportation Transaction Charge (effective Feb 1, 2026) | 1% (on spends > ₹50,000) | ICICI Bank (as of 2026) |
| Domestic Airport Lounge Access Eligibility (Quarterly Spend) | 75,000 | ICICI Bank (as of 2026) |
| BookMyShow Offer Eligibility (Quarterly Spend, effective Apr 1, 2026) | 25,000 | ICICI Bank (as of 2026) |
The card’s fee structure is designed to reward consistent usage, with a significant annual spend threshold for fee waivers.
Sapphiro Card: Eligibility & Application
The ICICI Bank Sapphiro Credit Card targets Indian residents aged 21 to 60 years, requiring a minimum annual salary of ₹9.6 lakhs for salaried individuals. Self-employed applicants need an Income Tax Return (ITR) of ₹15 lakhs or more, as per the latest available data for 2026. A strong CIBIL score of at least 750 is for approval.
- Age Criteria: The primary cardholder must be at least 23 years old. Add-on cardholders can be as young as 18 years.
- Residency: Applicants must be Indian residents to qualify for the Sapphiro Credit Card.
- Minimum Annual Income (Salaried): A minimum annual salary of ₹9.6 lakhs is required. , the salary account should show credits of ₹1.5 lakhs or more monthly.
- Minimum Annual Income (Self-Employed): Self-employed individuals need to show an ITR of ₹15 lakhs or above.
- Credit Score: A CIBIL score of 750 or higher is generally expected for favorable consideration.
- Credit History: A clean credit record without any significant defaults or red flags is for approval.
- Application Channels: Prospective applicants can apply via the official ICICI Bank website, the iMobile app, or by visiting any ICICI Bank branch.
- Existing Customers: Current ICICI Bank Debit Card holders can SMS UPGD SAPPHIRO to 5676766 or call customer care to inquire about an upgrade.
Meeting these criteria your chances of approval for the ICICI Bank Sapphiro Credit Card, granting access to its premium benefits.
Sapphiro Card: Rewards & Milestones
The ICICI Bank Sapphiro Credit Card offers extensive rewards and milestone benefits, designed for high-spenders seeking premium lifestyle privileges. Cardholders can earn up to 20,000 reward points annually, alongside welcome vouchers worth up to ₹9,000.
These benefits span across travel, dining, and entertainment, providing significant value back on spending.
- Welcome Vouchers: New cardholders receive welcome vouchers worth up to ₹9,000, which can be redeemed for various lifestyle and travel experiences.
- Annual Reward Points: The card provides 20,000 reward points each year, adding substantial value for regular users.
- Milestone Benefits: Specific spending thresholds unlock additional benefits, encouraging higher card usage.
- BookMyShow Offers: As of April 1, 2026, spending ₹25,000 or more in a calendar quarter makes you eligible for complimentary movie/event tickets via BookMyShow in the subsequent quarter.
- Dining Privileges: Cardholders get a 15% discount on dining bills through the Culinary Treats Programme at over 2,500 partner restaurants across India.
- Fuel Surcharge Waiver: A 1% fuel surcharge waiver applies on transactions up to ₹4,000 at HPCL pumps, providing savings on fuel expenses.
- DreamFolks Membership: The card includes a complimentary DreamFolks DragonPass Programme membership, travel benefits.
The Sapphiro Credit Card’s reward structure is tailored to maximize benefits for cardholders who frequently engage in premium spending categories.
Sapphiro Vs. SBI Elite Vs. HDFC Regalia
The ICICI Bank Sapphiro Credit Card competes with premium offerings like SBI Card Elite and HDFC Regalia, each targeting distinct user preferences. While Sapphiro focuses on international travel and golf, SBI Elite caters to lifestyle and entertainment, and HDFC Regalia appeals to premium shoppers and e-commerce users.
| Feature | ICICI Sapphiro | SBI Card Elite | HDFC Regalia |
|---|---|---|---|
| Annual Fee (2026) | ₹6,500 + GST | ₹4,999 + GST | ₹2,500 + GST |
| Fee Waiver Condition | Spend >₹6 lakh in previous year | Spend >₹10 lakh in previous year | Spend >₹3 lakh in previous year |
| Domestic Lounge Access | 4 per quarter (spend ₹75,000 in prior quarter) | 8 per year (2 per quarter) | 12 per year (Regalia Gold), up to 8 per year (Regalia) |
| International Lounge Access | 2 per year (DreamFolks membership) | 6 per year (via Priority Pass) | Up to 6 per year (via Priority Pass) |
| Foreign Currency Spends Reward Value | 1% | 0.5% | 2.67% |
| Movie Offers | Buy 1 Get 1 (up to ₹250, BookMyShow, 2 tickets/month) | Buy 1 Get 1 (up to ₹250, BookMyShow, 2 tickets/month) | Buy 1 Get 1 (up to ₹250, BookMyMyShow/Paytm, 4 tickets/month) |
| Target User Profile | International travelers, frequent flyers, golf enthusiasts | Lifestyle enthusiasts (dining, grocery, departmental stores), entertainment perks | Premium brand shoppers (Myntra, Nykaa, Reliance Digital), e-commerce, travel perks |
| Minimum Annual Salary (Eligibility) | ₹9.6 lakh | ₹12 lakh | ₹12 lakh |
The choice among these cards depends on individual spending habits and preferred benefits, with Sapphiro offering strong travel and golf perks for high spenders.
Sapphiro Card: Devaluation & Updates 2026
The ICICI Bank Sapphiro Credit Card has seen specific benefit adjustments for 2026, impacting movie offers and lounge access eligibility. These changes require cardholders to meet new spending thresholds to unlock premium perks. Cardholders should review these updates to maximize their card’s value.
- BookMyShow Offer: From April 1, 2026, cardholders must spend ₹25,000 or more on their Sapphiro Credit Card in a preceding calendar quarter. This spend unlocks complimentary movie/event tickets in the subsequent quarter.
- Domestic Lounge Access: To qualify for 4 complimentary domestic airport lounge accesses per quarter, cardholders need to spend ₹75,000 or more in the previous calendar quarter. This applies to both Mastercard and American Express variants.
- International Lounge Access: The card continues to offer 2 complimentary international airport lounge accesses annually, subject to specific terms and conditions. These terms should be verified with ICICI Bank for current applicability.
- Transportation Transaction Charge: A 1% charge applies to transportation transactions exceeding ₹50,000, effective February 1, 2026. This new charge impacts high-value travel-related spending.
- Fuel Surcharge Waiver: The 1% fuel surcharge waiver remains, applicable on transactions up to ₹4,000 at HPCL pumps. This benefit helps save on fuel expenses within the specified limit.
These updates for 2026 require cardholders to adjust their spending patterns to continue enjoying the Sapphiro Card’s premium benefits.
Maximizing Sapphiro Card Benefits
The ICICI Bank Sapphiro Credit Card offers a range of premium benefits, including welcome vouchers up to ₹9,000 and annual reward points, designed for high-spenders. Cardholders can potentially save up to ₹2 lakhs annually by fully utilizing all available features and benefits.
- Welcome Vouchers: Receive welcome vouchers worth up to ₹9,000, which can be redeemed on the ICICI Bank Rewards site. The full voucher code and PIN are sent to your registered email ID after claiming.
- Annual Reward Points: Earn 20,000 reward points annually, contributing to significant savings on various transactions. Each PAYBACK Point holds a cash value of ₹0.25.
- Airport Lounge Access: Enjoy 4 complimentary domestic airport lounge accesses quarterly and 2 international lounge accesses yearly. Eligibility for domestic lounge access requires spending ₹75,000 or more in the preceding calendar quarter.
- BookMyShow Offers: As of April 1, 2026, spend ₹25,000 or more on your Sapphiro Credit Card in a calendar quarter to qualify for complimentary movie/event tickets in the subsequent quarter.
- Golf Privileges: Access up to 4 complimentary golf rounds per month, a key benefit for lifestyle enthusiasts. The card also includes a complimentary DreamFolks DragonPass Programme membership.
- Dining and Fuel Benefits: Get 15% savings on dining through the Culinary Treats Programme at over 2,500 restaurants across India. A 1% fuel surcharge waiver applies to transactions up to ₹4,000 at HPCL pumps.
To maximize these benefits, consistently meet the spending thresholds for lounge access and movie offers, and actively redeem welcome and milestone rewards.
Key Takeaways
- The Sapphiro card offers welcome vouchers up to ₹9,000 and 20,000 annual reward points.
- Cardholders can access 4 domestic and 2 international airport lounges annually, subject to quarterly spend criteria.
- A minimum spend of ₹25,000 per quarter is required for BookMyShow offers starting April 1, 2026.
Check eligibility and apply for the ICICI Bank Sapphiro Credit Card on the official ICICI Bank website.
Frequently Asked Questions (FAQs)
What are the key benefits of the ICICI Bank Sapphiro Credit Card in 2026?
The ICICI Bank Sapphiro Credit Card offers welcome vouchers, milestone benefits, and complimentary access to both international and domestic airport lounges. Cardholders also receive BookMyShow discounts and golf privileges, catering to travel and lifestyle needs. IT provides value-back for high-spenders across various categories.
What are the eligibility criteria for the ICICI Bank Sapphiro Credit Card in India?
Indian residents aged 21 to 60 years are eligible for the ICICI Bank Sapphiro Credit Card. Applicants typically need a minimum annual salary of ₹9.6 lakhs to qualify. Meeting these income requirements helps access the card’s premium features.
How can I get complimentary airport lounge access with the ICICI Bank Sapphiro Credit Card?
To receive complimentary domestic airport lounge access, you must spend ₹75,000 or more on your ICICI Bank Sapphiro Credit Card in a calendar quarter. The card also provides 2 complimentary international airport lounge accesses, subject to specific terms and conditions. These benefits are designed for frequent travelers.
What are the annual fees for the ICICI Bank Sapphiro Credit Card, and can they be waived?
The ICICI Bank Sapphiro Credit Card has an annual fee, which can be waived if you spend more than ₹6 lakhs in the preceding year. This waiver incentivizes high spending, allowing cardholders to enjoy benefits without the yearly charge. Verify current fees with ICICI Bank as of 2026.
Are there any changes to the BookMyShow offer on the ICICI Bank Sapphiro Credit Card in 2026?
Yes, starting April 1, 2026, to avail complimentary movie/event tickets with BookMyShow, you must spend ₹25,000 or more on your Sapphiro Credit Card in the preceding calendar quarter. This spend condition applies to both the Mastercard and American Express variants. Meeting this spend unlocks the offer for the subsequent quarter.
How do I redeem welcome vouchers for the ICICI Bank Sapphiro Credit Card?
You can redeem welcome vouchers on the ICICI Bank Rewards site by clicking the ‘Sapphiro Welcome Benefit’ tab. After entering an OTP, the full voucher code and PIN are sent to your registered email ID. You can view claimed vouchers in your order history.
Can I use the ICICI Bank Sapphiro Credit Card for international transactions?
Yes, you can use the ICICI Bank Sapphiro Credit Card for online purchases across India and in select overseas stores. The card is offered in both Mastercard and American Express network variants, facilitating international transactions. Always check current forex charges for overseas usage.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.