ICICI Sapphiro Credit Card Review

When it comes to premium credit card features at an affordable rate, there are only a few credit cards available in India that can be compared with the icici sapphiro credit card. Offering free access to airport lounges, free golf rounds, and huge discounts on dining and entertainment categories, this card brings so much value with it that it can easily justify the Rs.3,500 annual fee. A detailed description of the icici sapphiro credit card benefits is given below.

Who can apply for the icici sapphiro credit card?

  • Resident Type: Indian. 
  • ICICI sapphiro credit card eligibility criteria for salaried person:
    • Age: 23 to 60 yrs. 
    • icici credit card minimum salary requirement: Rs.9,60,000 annually. 
  • ICICI sapphiro card eligibility criteria for self-employed person:
    • icici credit card age limit: 23 to 65 yrs. 
    • Salary: Rs.10,00,000 annually. 
  • A CIBIL score of 700+ is needed to apply for this sapphiro icici credit card

What documents are required to apply for a credit card in icici bank?

  • 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 (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report.

 Once the icici credit card online application is submitted successfully you can track icici bank credit card status with application number or with your mobile number. The complete process is discussed on our faq page.

What are the icici bank sapphiro credit card Fees?

  • ICICI sapphiro card joining fee: Rs.6,500 + GST
  • ICICI sapphiro credit card annual fee: Rs.3,500 + GST

What are benefits of ICICI Sapphiro credit card?

  • Get started with a huge icici welcome kit:

With this sapphiro credit card icici bank offers Rs.1000 worth of shopping and travel vouchers as a credit card sign-up bonus.

  • Make every transaction rewarding:

The icici sapphiro credit card reward points are offered like this.

Category of transaction

ICICI bank rewards for every Rs.100 transaction

Domestic expenses (excluding fuel)

2 icici payback points

International expenses

4 icici payback points

1 icici credit card reward points value in rupees is equal to Rs. 0.25. You can also redeem your rewards from the icici credit card payback points catalogue.

  • Add comfort to your travel:

On spending Rs.5000 or more with your sapphiro icici credit card in a quarter, you can enjoy 4 complimentary domestic lounge access in the next quarter. Click here for the icici credit card lounge access list.

  • Attractive icici credit card bookmyshow offers:

If you use this sapphiro card to book a movie ticket from BookMyShow, you will get up to Rs.500 off on the second ticket. You can get this offer two times in an icici bank credit card billing cycle.

  • Exclusive ICICI credit card dining privileges:

With this sapphiro credit card icici bank offers up to 15% savings on your dining bills at most of the frontline restaurants in India. 

  • Attractive deals for golf lovers:

On spending Rs.50,000 with your sapphiro card within an icici credit card billing cycle, you can get 4 free golf rounds in the next month.

  • Earn extra benefits on milestone spends:

You can also earn some bonus icici rewards too.

Credit card usage

Total benefit

Rs.4 lakh within a year

4,000 icici card PAYBACK points

Every time you complete spending Rs.1 lakh thereafter in a year

4,000 payback points

You can win a maximum of 20,000 icici points in a year. 

  • Additional benefits for the Amex card users:

The sapphiro credit card american express variant features some additional benefits. Click here to check the ongoing offers.

  • Earn attractive icici credit card fuel surcharge waivers:

This sapphiro card offers a 1% waived off on fuel surcharges across all fuel stations in India.  

  • Opportunity to make your icici credit card lifetime free:

On spending Rs.6 lakh within a year, you can get a complete waiver on your next year’s icici bank credit card annual fee. 

  • Enjoy assistance from a multilingual concierge team:

With this credit card icici bank offers a world-class concierge team, they can assist you with hotel/travel booking, table reservations at restaurants, gift delivery, emergency assistance, etc. You can call the icici bank credit card customer care toll free no to book your free concierge.

What are the icici sapphiro credit card charges?


Payable Amount

ICICI credit card atm withdrawal charges

2.50% against the withdrawn amount, Min Rs.300 (check your icici bank credit card limit before making a withdrawal)

ICICI sapphiro card finance charge

The icici credit card interest rate can go up to 3.40% monthly (applicable if the icici credit card outstanding balance is not cleared in time)

ICICI credit card international transaction charges

3.50% against the transacted amount.

ICICI credit card add on card fee


How to contact the icici credit card customer service department?

  • Call the icici credit card customer care no: 1860-120-7777 / 022-3366-7777 or +91-40-7140-3333
  • Write to the icici credit card customer care email id: headservicequality@icicibank.com 

100xGain Ratings:


Pros and cons of the ICICI sapphiro credit card:



  • This icici sapphiro card offers free golf and lounge access.
  • You can earn a good discount on dining expenses.
  • The icici credit card payback points earning rate is also impressive.
  • The icici credit card airport lounge benefits are only offered after crossing a spending milestone.

Final Opinion:

Hopefully, this icici bank sapphiro credit card review has helped you to understand this card better. As mentioned before, this is an icici premium credit card and it features all the facilities that a premium quality credit card should offer. Therefore, if you are looking for a low-cost premium card then this card would be the best icici credit card for you.

But if you are looking for a more premium alternative, then I would suggest you take a look at our best premium credit cards page.

Alternative cards of the icici sapphiro credit card

  1. Bajaj Finserv RBL Bank Platinum Plus SuperCard. (Best for lounge and movie benefits)
  2. Indusind Bank Nexxt Credit card. (Best for lounge and movie benefits)
  3. Indusind Bank Legend credit card. (Best for lounge access)
  4. Yes First Preferred Credit Card. (Best for lounge access)



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