All cards / ICICI Bank
ICICI Sapphiro RuPay
The same Sapphiro lounge, golf, and welcome-voucher privileges as the Mastercard version, but issued on RuPay so it can also be linked to UPI apps for everyday QR payments — a genuinely unique combination for cardholders who want premium travel perks and UPI on a single card. The trade-off is a much thinner insurance package and more limited acceptance outside India versus the Mastercard variant.
Annual fee
₹3,500
Joining fee
₹6,500
Reward type
points
Base reward rate
0.5%
Card network
RuPay
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. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: Complimentary domestic lounge access on ₹75,000+ spend in the preceding calendar quarter
- International lounge access: 2 complimentary international lounge visits/year via Priority Pass
- Insurance benefits: ₹2 lakh personal accident cover on the RuPay variant
Benefits by category
- ✈️ Travel
2 complimentary international lounge visits/year (Priority Pass) + domestic lounge access on ₹75,000+ spend per calendar quarter
- 🛡️ Insurance
₹2 lakh personal accident cover (RuPay variant)
- 🧾 Utilities
0.25% reward rate
- ⛽ Fuel
1% fuel surcharge waiver, capped at ₹4,000 per transaction
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹75,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹6,00,000
- 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%
- Interest rate: 45% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped monthly
- Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST
Benefits
- 2 complimentary international lounge visits/year (Priority Pass) + 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
- ₹2 lakh personal accident cover (RuPay variant)
- UPI payments supported by linking the RuPay Credit Card to any UPI app
- 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
- 24/7 concierge for reservations, travel bookings, and emergency assistance
Pros
- + Same lounge/golf/voucher benefits as Sapphiro Mastercard
- + Works for UPI QR payments, unlike the Visa/Mastercard Sapphiro variants
- + Sizeable welcome voucher pack worth over ₹13,000
- + 24/7 concierge service for travel and dining bookings
Cons
- − Much lower air accident cover (₹2 lakh) than the Mastercard Sapphiro's ₹3 crore
- − RuPay acceptance abroad is far more limited than Visa/Mastercard
- − Base reward rate of 0.5% is low relative to the ₹3,500 annual fee
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