ICICI Bank Sapphiro Credit Card Review

ICICI Bank is best known for its cutting-edge technology and customized financial products for its customers that offer enormous benefit to its loyal and huge customer base. Not only that ICICI bank, is one of the pioneers in the credit card segment too and some of its credit cards are extremely popular in India.

 ICICI Bank Sapphiro credit card is one among them. This card comes with various benefits on purchases, free complimentary golf rounds, dining benefits, etc. It comes with 2 cards benefit with the convenience of 1 account.

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 23 to 60 yrs. 
    • Income: ₹9,60,000 annually. 
  • For self-employed person:
    • Age: 23 to 65 yrs. 
    • Income: ₹10,00,000 annually. 
  • Good CIBIL Score(750 or more). 
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest Salary Slip, (3 months) 
      • ITR
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹6,500 + GST
  • Annual Fee: ₹3,500 + GST


  • Welcome, Benefit:

It offers ₹1000 worth of shopping and travel vouchers at the time of joining as a welcome gift.

  • Reward benefit:

The American Express card offers 3 PAYBACK points for domestic and 6 PAYBACK Points for international transactions. Min transaction amount is ₹100. 

The MasterCard Variant offers 2 PAYBACK Points for domestic and 4 PAYBACK Points for international transactions. Min transaction amount is ₹100. 

1 PAYBACK Point = ₹0.25.  

  • Lounge Access:

Every quarter it offers 4 complimentary domestic airport lounge accesses. 

This card owner enjoy 2 complimentary international airport lounge access per year and 2 complimentary domestic airport spa visits per year

  • Movie benefit:

Buying movie tickets from BookMyShow the cardholder can get 1 movie/event ticket and get up to ₹500 off on the second ticket.

  • Dining benefit:

With this card, you will enjoy a minimum of 15% savings on your dining bill.

  • Golf access:

Sapphiro cardholders can enjoy 4 complimentary rounds of golf every month at the golf course of their choice based on eligible spending on your card

The cardholder needs to spend ₹50,000 every month to get free golf rounds. 

  • Milestone benefit:

With ₹4 lakh spend with your card, you will get 4,000 PAYBACK points, after that, you will get 2,000 PAYBACK Points. You can win a maximum of 20,000 PAYBACK points in a year. 

Also for each ₹100 spend on fuel and utility, you will get 1 reward point.  

  • Benefits from American Express:

There are some exclusive benefits with the American express variants like:

Up to 10% discount on some selected Etihad airways tickets. 

25% discount on Taj, The Gateway, Roseate Hotels, and Vivanta Hotel rates. 

5% instant discount on Croma, applicable on Non-EMI and EMI transactions over ₹20,000+

25% discount on jewellery at Joyallukas.

  • Fuel surcharge waiver:

This card offers a 1% waived off on fuel surcharges for transactions made at fuel pumps in India. 

  • Annual fee waiver:

If you can spend ₹6,00,000 in a year, then the annual fee for the next year will be waived off. 

  • Concierge service:

With this card you will get a world-class concierge service, you can get assistance from them on hotel, restaurants and travel booking, movie ticket booking, and lots more.  


  • Cash Withdrawal Charge: 2.50% against the withdrawn amount, Min ₹300
  • Finance Charge: 3.40% monthly. 
  • Foreign currency transaction: 3.50% against the transacted amount. 

Contact Details:

Call: 1860-120-7777

Mail: You can mail the service authority just by visiting their website here: https://www.icicibank.com/complaints/complaints.page 

100xGain Ratings:


Final Opinion:

ICICI Bank Sapphiro Credit Card is a premium credit card, it offers a lot of amazing benefits on travel and other categories like free golf rounds, big discount on dining, fuel surcharge waiver, concierge service, and lots more. 

But as a premium credit card, this card should offer more benefits and should reduce the fees a bit, and in this case, ICICI Rubyx Credit Card can be a better option for you.   

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