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ICICI Bank NRI Sapphiro Credit Card
A Sapphiro variant built specifically for NRI applicants, using their NRE/NRO banking relationship with ICICI instead of India-based income proof — the same premium travel, golf, and dining perks as the domestic Sapphiro card, with an accelerated 4% reward rate on travel spend that suits NRIs frequently booking flights back to India.
Annual fee
₹3,500
Joining fee
₹6,500
Reward type
points
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, dining. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Movie & dining: Minimum 15% savings on dining bills via the Culinary Treats programme; BOGO movie tickets (up to ₹500 off) twice a month via BookMyShow
- Rewards rate: 2% base rate
- Domestic lounge access: 4 complimentary domestic airport lounge visits per quarter
- International lounge access: Unlimited complimentary access to select international airport lounges
- Golf: Up to 4 complimentary golf rounds a month at select courses
Benefits by category
- 🍽️ Dining & food delivery
Minimum 15% savings on dining bills via the ICICI Bank Culinary Treats programme
- ✈️ Travel
4% reward rate · 4 complimentary domestic airport lounge visits per quarter
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- 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: 3.5%
- Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST
Benefits
- 4 complimentary domestic airport lounge visits per quarter
- Up to 4 complimentary golf rounds a month at select courses; BOGO movie tickets (up to ₹500 off) twice a month via BookMyShow
- Minimum 15% savings on dining bills via the ICICI Bank Culinary Treats programme
Pros
- + Same premium travel/dining/golf perks as the domestic Sapphiro card
- + Designed for NRIs without requiring India-based income proof
- + Strong accelerated reward rate on travel spend (4 points per ₹100)
- + 4 complimentary domestic lounge visits per quarter plus complimentary golf rounds
Cons
- − Only available to NRI account holders with an existing NRE/NRO relationship
- − Standard 3.5% forex markup despite targeting internationally active spenders
- − High joining fee (₹6,500) relative to entry-level NRI cards
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