ICICI Bank Sapphiro Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefits: Users will get 5,000 Skywards Miles and Emirates Skywards Silver Tier membership as joining and annual benefits.
Milestone Benefits
None.
Cashback Rate
Users can earn up to 2 Skywards Miles per INR 100 for all categories.
These Skyward Miles can be used for the purposes of booking Emirates tickets.
Movie Benefits
Buy one ticket and get up to INR 500 off on the second ticket up to 2 times every month on BookMyShow.
Dining Benefits
None.
Other Benefits
Complimentary membership to Dreamfolks worth USD 99.
Lounge Access
Users will get 2 free domestic lounge access per quarter and 2 complimentary international lounge and domestic spa access per year.
Rewards & Benefits
Welcome Benefits
Welcome Benefits: Users will get 5,000 Skywards Miles and Emirates Skywards Silver Tier membership as joining and annual benefits.
Milestone Benefits
None.
Cashback Rate
Users can earn up to 2 Skywards Miles per INR 100 for all categories.
These Skyward Miles can be used for the purposes of booking Emirates tickets.
Movie Benefits
Buy one ticket and get up to INR 500 off on the second ticket up to 2 times every month on BookMyShow.
Dining Benefits
None.
Other Benefits
Complimentary membership to Dreamfolks worth USD 99.
Lounge Access
Users will get 2 free domestic lounge access per quarter and 2 complimentary international lounge and domestic spa access per year.
Fees & Charges
Joining Fee
INR 5,000
Annual Fee
(Second year onwards): INR 5,000
Cash Advance Fee
Cash Withdrawal Fee: 2.5% on advanced amount , subject to minimum of INR 300.
Interest rate
Interest Rate: 3.67% per month (annual interest rate - 44%). | Interest On Cash: 2.49% per month (annual interest rate - 29.88%).
Late Payment Fee
Late Payment Charges: 0-1200 depending on the outstanding amount.
Foreign Currency Transactions Fee
Forex Marku: 3.5%
Other Fees
Rewards Redemption Fee: INR 99
Fees & Charges
Joining Fee
INR 5,000
Annual Fee
(Second year onwards): INR 5,000
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 3.67% per month (annual interest rate - 44%). | Interest On Cash: 2.49% per month (annual interest rate - 29.88%).
Late Payment Fee
Late Payment Charges: 0-1200 depending on the outstanding amount.
Foreign Currency Transactions Fee
Forex Marku: 3.5%
Other Fees
Rewards Redemption Fee: INR 99
Special Features
Free Dreamfolk membership worth USD 9. As a Dreamfolks member, user can relax at more than 450 comfortable and luxurious airport lounges across 115 countries around the world, regardless of the class or airline you fly with, or whether or not you are a member of an airline frequent flyer club.
Eligibility Criteria
Age: You must be a minimum of 21 years old for primary cardholder (18 years old for supplementary cardholders).
Employment: You must be either self-employed or salaried.
Credit Score: You must have a good credit score. This means no recent defaults or delinquencies on loans or credit cards.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
1. Online:
Visit ICICI Bank website.
Fill out the online application form with the correct details.
Upload the required documents when prompted.
Submit the application and track its status online.
2. Bank Branch:
Visit the ICICI Bank branch nearest to you.
Meet a customer service representative and express your interest of availing the credit card.
Provide them with your KYC documents and fill out the application form.
Submit the application and inquire about further processing steps.
Contact Details
1800 1080
Account Opening and Procedure
The card offers a number of value add features centered around travel. The card is overall a decent travel credit card.
The card offers a number of value add features centered around travel. The card is overall a decent travel credit card.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai