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ICICI Bank
VISA
Sapphiro

ICICI Bank Sapphiro

A premium travel and lifestyle card with global lounge access, golf privileges and elevated rewards on international spends.

travelpremiumdininglifestyle

Last reviewed 13 July 2026

Fees

Joining fee

₹6,500

Annual fee

₹3,500

Waiver: Annual fee waived from the second year on annual spend of ₹6,00,000 or more

Eligibility

Min. monthly income: ₹75,000

Min. CIBIL Score: 750+

Age: 21–65 yrs

Employment: salaried, self employed, business owner

Rewards

travel4x points
all other2x points

Welcome benefits

  • • Welcome vouchers worth over ₹13,000 across Tata CliQ (₹3,000), EaseMyTrip (₹4,000), Da Milano (₹5,000), Croma (₹1,500), and Uber (₹1,000), plus 3 months of complimentary EazyDiner Prime membership

Perks

  • ✓Domestic lounge access: 16/yr4 complimentary visits per quarter, subject to minimum ₹75,000 spend in the preceding quarter
  • ✓International lounge access: 2/yr2 complimentary visits per year via complimentary Priority Pass membership
  • ✓Fuel surcharge waiver: 1%Capped at ₹250/month
  • ✓Forex markup: 3.5%
  • ✓Concierge service
  • ✓Up to 4 complimentary golf rounds per quarter (1 round per ₹50,000 quarterly retail spend)
  • ✓Air accident cover: ₹3 crore (international travel)
  • ✓Baggage insurance: ₹25,000
  • ✓Personal accident cover: ₹2 lakh (RuPay variant)
  • ✓Milestone bonus: 4,000 points on ₹4 lakh annual spend, plus 2,000 points per additional ₹1 lakh (up to 20,000 points/year)
  • ✓24/7 concierge for flight, hotel and dining reservations

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 minimum monthly income of ₹75,000, a minimum annual income of ₹9,00,000, a CIBIL Score of 750+, a minimum age of 21, and must be salaried or self employed or business owner. Exact criteria are set by ICICI Bank and can vary by application.

What you’d earn

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Best rate
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4x points
₹
2x points
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