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Emirates Skywards ICICI Bank Sapphiro Credit Card
Visa
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.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹5,000
Joining fee
₹5,000
Reward type
miles
Base reward rate
1.5%
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.
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
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
- + Domestic lounge access included
- + Better forex markup (2%) than the Rubyx entry variant
Cons
- − ₹5,000 fee is a significant step up from Rubyx for moderate flyers
- − No international lounge access at this tier
- − Mile value depends on redeeming through Emirates specifically