ICICI Sapphiro
ICICI Bank · Visa
ICICI Sapphiro is a super-premium card with 12 domestic lounges, Cleartrip premium, and high reward multipliers.
Annual Fee
₹6,500
Joining Fee
₹6,500
Base Reward Rate
4X
₹0.5/pt
Min CIBIL
750
₹12L+ income
Key Features
Welcome Benefits
₹5,000 E-Gift Voucher on Joining
Receive ₹5,000 in e-gift vouchers from Yatra or lifestyle brands on paying the joining fee
Club Vistara / Air India Silver Membership
Complimentary Silver tier status with priority check-in and extra baggage allowance
Complimentary Priority Pass Membership
Access to 1,300+ international airport lounges with Priority Pass
Reward Rates by Category
Dining
8X
Travel
8X
Online
4X
Shopping
4X
Grocery
4X
Fuel
1X
Utilities
1X
Other
4X
Partner Earn Rates
| Partner | Category | Earn Rate |
|---|---|---|
| International Spends | International | 10X |
| Dining | Dining | 6X |
| Grocery | Grocery | 6X |
| Utility Payments | Utilities | 6X |
Milestone Benefits
₹2,500 Gift Voucher
Earn ₹2,500 e-gift voucher on spending ₹3 lakhs in a membership year
Annual
Annual Fee Waiver + ₹5,000 Voucher
Spend ₹5 lakhs to waive the annual fee and receive ₹5,000 in vouchers
Annual
Airport Lounge Access
Domestic
12 visits/year
International
4 visits/year
Insurance & Protection
Air Accident Cover
Travel booked on card
Overseas Medical Insurance
Emergency medical on international trips
Baggage & Trip Cover
Baggage loss, trip cancellation cover
Purchase Protection
Covers purchases against theft/damage 90 days
Pros
- 12 domestic lounge visits
- 4 international lounge visits
- 8X on dining and travel
- Cleartrip premium membership
- Golf and concierge
Cons
- High annual fee Rs 6,500
- Very high income requirement
- Complex reward structure
Redemption Options
Flight tickets
Hotel bookings
Cleartrip credits
Frequently Asked Questions
What earn rate on international spends?+
Lounge access?+
What airline status?+
Annual fee?+
How are PAYBACK points redeemed?+
Ready to apply?
Apply on the ICICI Bank website. Usually takes 10 minutes.
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ICICI Sapphiro
₹6,500/yr · 4X rewards
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