ICICI Sapphiro RuPay

The same Sapphiro privileges as the Mastercard version, but on RuPay so it can also be linked to UPI apps for QR payments - useful if you want lounge-and-golf benefits plus UPI on one card, though the air accident cover is far lower than the Mastercard Sapphiro's ₹3 crore.

Rates and fees last verified 15 July 2026.

Annual fee

₹3,500

Joining fee

₹6,500

Reward type

points

Base reward rate

0.5%

Card network

RuPay

Card tier

Premium

Benefits by category

✈️ Travel
2 complimentary international lounge visits/year (Priority Pass/DreamFolks) + 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

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
₹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 versions
+ Sizeable welcome voucher pack (~₹13,000)

Cons

− Much lower air accident cover (₹2 lakh) than the Mastercard Sapphiro (₹3 crore)
− RuPay acceptance abroad is far more limited

Apply on ICICI Bank's site