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ICICI Bank NRI Sapphiro Credit Card
Visa
ICICI Bank NRI Sapphiro Credit Card
A Sapphiro variant built for NRI applicants using their NRE/NRO banking relationship instead of India-based income proof — the same travel, golf and dining perks as the domestic Sapphiro card.
Rates and fees last verified 15 July 2026.
Annual fee
₹3,500
Joining fee
₹6,500
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Premium
Benefits by category
- 🍽️ Dining & food delivery
Minimum 15% savings on dining bills via the ICICI Bank Culinary Treats programme
- ✈️ Travel
4% reward rate · Unlimited complimentary access to select domestic and international airport lounges
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- Unlimited complimentary access to select domestic and international airport lounges
- 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 India-based income proof
- + Strong international-spend reward rate (4 points/₹100)
Cons
- − Only available to NRI account holders
- − Standard 3.5% forex markup despite targeting international spenders
- − High joining fee relative to entry-level NRI cards