All cards / ICICI Bank
ICICI Sapphiro
A mid-premium travel card sitting below Emeralde — decent lounge access and a big milestone-driven welcome voucher pack, but the reward rate is thin unless you hit the higher spend slabs.
Rates and fees last verified 19 July 2026.
Annual fee
₹3,500
Joining fee
₹6,500
Reward type
points
Base reward rate
0.5%
Card network
Mastercard
Card tier
Premium
Reward rates by category
- Utilities0.25%
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹75,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- 2 complimentary international lounge visits/year (Priority Pass/DreamFolks) + domestic lounge access on ₹75,000+ spend per calendar quarter
- Welcome vouchers worth over ₹13,000 (Tata CliQ, EaseMyTrip, Da Milano, Croma, EazyDiner Prime) on payment of joining fee, credited within 45 days
- ₹3 crore air accident cover (primary cardholder); ₹2 lakh personal accident cover on RuPay variant
- Complimentary golf rounds (up to 4/month tied to ₹50,000 spend) and BookMyShow buy-one-get-one twice a month on ₹25,000 quarterly spend
- 1% fuel surcharge waiver, capped at ₹4,000 per transaction
- 4,000 bonus points at ₹4 lakh annual spend, plus 2,000 points per additional ₹1 lakh, capped at 20,000 points/year
- 24/7 concierge for reservations, travel bookings, and emergency assistance
Pros
- + Sizeable welcome vouchers (~₹13,000)
- + International lounge access + golf privileges
- + ₹3 crore air accident cover
Cons
- − Base reward rate is low relative to fee
- − Needs ₹6L/year spend to waive the annual fee
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