All cards / ICICI Bank
Emirates Skywards ICICI Bank Sapphiro Credit Card
Sapphiro is the mid-tier of ICICI's Emirates Skywards range, adding a 5,000-mile welcome bonus and domestic lounge access on top of Rubyx's base earn rate — a sensible step up for cardholders who fly Emirates a few times a year and want faster progress toward Gold Tier.
Annual fee
₹5,000
Joining fee
₹5,000
Reward type
miles
Base reward rate
2%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel. It's worth the annual fee mainly if your miles value clears it.
Rewards & benefits
- Rewards rate: 2% base rate
- Travel: 5,000 bonus Emirates Skywards Miles on issuance; Emirates Skywards Silver Tier with a path to Gold on meeting spend milestones
- Domestic lounge access: 2 complimentary domestic airport lounge visits per quarter
- International lounge access: 2 complimentary international lounge visits per year
Benefits by category
- ✈️ Travel
2% reward rate · Complimentary domestic airport lounge access
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹60,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Rewards redemption fee: Free for redemption as statement credit or ICICI's own reward catalogue vouchers; ₹99 + GST per redemption request for select third-party gift/merchandise catalogue items
- Foreign currency markup: 2%
- Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST
Benefits
- 5,000 bonus Emirates Skywards Miles on card issuance
- Complimentary domestic airport lounge access
- Emirates Skywards Silver Tier with a path to Gold on meeting spend milestones
Pros
- + 5,000 bonus Emirates Skywards Miles on joining
- + 2 domestic lounge visits a quarter plus 2 international visits a year
- + Better forex markup (2%) than the Rubyx entry variant
Cons
- − ₹5,000 fee is a significant step up from Rubyx for moderate flyers
- − International lounge access is limited to 2 visits a year
- − Mile value depends on redeeming through Emirates specifically
Related guides