ICICI Bank Sapphiro

Common questions

What is the annual fee on the ICICI Bank Sapphiro?

The joining fee is ₹6,500. The annual fee is ₹3,500. Annual fee waived from the second year on annual spend of ₹6,00,000 or more

What are the reward rates on the ICICI Bank Sapphiro?

ICICI Bank Sapphiro earns 4x points on travel, 2x points on all other spends.

Does the ICICI Bank Sapphiro offer airport lounge access?

Yes: 16 domestic lounge visits per year (4 complimentary visits per quarter, subject to minimum ₹75,000 spend in the preceding quarter) and 2 international lounge visits per year (2 complimentary visits per year via complimentary Priority Pass membership).

Who is eligible for the ICICI Bank Sapphiro?

Applicants typically need a CIBIL Score of 750+, a minimum age of 21, and must be salaried or self employed or business owner. Salaried applicants typically need a minimum monthly income of ₹75,000; self-employed applicants are typically assessed on a minimum annual income of ₹9,00,000 instead. Exact criteria are set by ICICI Bank and can vary by application.

Is the ICICI Bank Sapphiro available on other networks?

Yes, it's also issued on RuPay. Adds UPI linking via iMobile Pay and a ₹2 lakh personal accident cover that the Visa sibling does not carry, but ships a smaller welcome voucher set (~₹9,500 vs ~₹13,000 on Visa — no Da Milano voucher or EazyDiner Prime membership). Fees, reward rates, lounge access and forex markup otherwise match the Visa variant.