Intermiles ICICI bank Sapphiro Credit Card Review

The intermiles icici bank sapphiro credit card is one of the most popular credit cards among Indians looking to add a bit more luxury to their travel experience. While this card comes with a slightly higher annual fee of just Rs.5,000, it lets you enjoy powerful travel points on every transaction, free access to airport lounges, exclusive deals on movie and travel booking, and lots more. More about the sapphiro credit card benefits are discussed below.

Who can apply for the icici bank intermiles sapphiro credit card?

  • Resident Type: Indian
  • ICICI bank credit card eligibility criteria for salaried person:
    • Age: The age of the applicant should be between 21 to 60 years. 
    • Income: The average income of the applicant should be above Rs. 40,000 monthly. 
  • ICICI credit card eligibility criteria for self-employed person:
    • Age: The age of the applicant should be between 21 to 65 years. 
    • Income: Annual Income Tax Return should be greater than Rs. 4 lakh.
  • Required cibil score for icici credit card application: A CIBIL score of 690+ is needed to apply for this icici sapphiro card.

As you submit your icici bank credit card application, you will get a unique application Id. Later you can use that to track your icici card credit card application status.

Required Documents to apply for an icici credit card:

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

As per new icici bank credit card rules, all new ICICI sapphiro credit cards are delivered in an inactive state, and to start using them, you need to activate them manually by generating a new credit card PIN. You can find more about the icici bank credit card pin generation process from the 100xGain FAQ page

What are the icici bank sapphiro credit card fees?

  • ICICI intermiles sapphiro credit card joining fee: Rs. 5,000 + GST (For the first year only)
  • ICICI intermiles sapphiro credit card annual fee: Rs. 5,000 + GST (From the second year onwards)

What are the icici sapphiro credit card benefits?

  • Get started with a huge joining bonus:

As you activate your icici sapphiro credit card for the first time, and pay the first year joining fee, you will receive 10,000 bonus intermiles points, an Rs.750 gift voucher for hotel booking, and another Rs.750 voucher for flight booking.

You will get those two vouchers on completing the Rs.60,000 spent transaction within the first 60 days of sapphiro visa credit card activation. 

  • It’s more rewarding than you thought:

The Visa variant of the icici sapphiro credit card also offers a slightly different reward points program. The details are discussed in the table below. 

Category of transaction

InterMiles Points (for each Rs.100 transaction)
All domestic transactions except fuel purchase  4 intermiles rewards
All international transactions made using this card 5 icici intermiles points
Online flight ticket booking via the InterMiles platform 8 InterMiles points
Etihad Airways ticket booking 10 intermiles reward points

Now you might be thinking; How do I redeem my ICICI credit card InterMiles? you can use them for travel booking via the intermiles app or website. 

  • Enjoy free access to airport lounges:

Under the dreamfolks lounge access program, you will get 2 free yearly access to more than 450 airport lounges worldwide. You will also get 2 yearly spa sessions per year at some of the selected domestic airport spas

Also, on spending Rs.5,000 with your icici sapphiro card within a quarter, you can get 2 free accesses at some of the selected Domestic Visa lounges in the next quarter. 

  • Indulge in a premium dining experience:

Under the Culinary treats program, this icici bank card offers exclusive deals at some of the most premium restaurants in India. 

  • Make your evenings relaxing:

If you use this icici bank sapphiro credit card to book a movie ticket from BookMyShow, you will get an Rs. 500 discount on the second ticket. The movie offers on icici credit card are available only on the tickets booked through BookMyShow. 

  • Make your travel more luxurious:



Etihad flight ticket booking from Intermiles 10 intermiles points
Etihad airways economy class tickets  5% discount
Etihad airways business class tickets 10% discount
  • Enjoy freedom from fuel surcharges:

This icici inter miles credit card offers a 1% waiver on fuel surcharges across all fuel stations in India. The amount of waiver you can earn in an icici card statement cycle depends on your credit card usage.

  • Make your weekends more entertaining:

On spending Rs.50,000 with your sapphiro credit card within a month, you will get 4 complimentary rounds in the next month. You can click here to book your free golf round.

  • Get the assistance of a multilingual concierge team:

This icici credit card offers a multilingual concierge service to take care of the needs of its customers. You can call the icici bank credit card customer care number to book your free concierge. 

  • Extra benefits on renewal fee payment:

Every year with the payment of the icici bank credit card annual fee, you will earn 5,000 bonus icici reward points and Rs.500 hotel booking voucher. You can check your reward balance from your icici credit card netbanking account.

  • Convenience of the contactless payment facility:

This icici card is equipped with an advanced contactless payment system. This feature allows you to make credit card payments by placing your sapphiro card over any contactless-enabled POS Machine. 

Also if you notice something unusual with your credit card account, you can block icici credit card temporarily by calling the icici bank credit card toll free no or by using the icici bank credit card app.

What are the icici bank sapphiro credit card charges?


Payable amount

Cash withdrawal charges on icici credit card 2.50% against the withdrawn amount, min Rs. 300 (Check your icici sapphiro credit card limit before making a withdrawal)
ICICI credit card finance charges The icici bank credit card rate of interest is 3.50% monthly or 42% annually (Applicable if the icici credit card payment is not made within the due date)
ICICI sapphiro credit card charges on foreign currency conversion Can go up to 3.5% against the transaction amount
ICICI add on card fee Rs. 250 per card

How to contact the icici bank credit card customer care department?

100xGain Ratings: 


Pros and cons of the icici bank intermiles credit card:



  • The rate of earning icici sapphiro credit card reward points is very impressive.
  • It lets you enjoy access to most of the domestic and international airport lounges.
  • You can pack huge discounts on movie tickets.
  • There are no hotel booking benefits.
  • The discount benefits are applicable only on Etihad Airways flight tickets.

Final Opinion:

As evident from the icici credit card benefits, this is the best icici credit card for frequent travelers. In fact, it is one of the most premium travel credit cards from ICICI Bank and if you regularly book your flight tickets from the Itermiles website, then this sapphiro card is going to be the most useful card for you. 

But if you are looking for a more premium option, then I would suggest you take a look at our top travel credit card page, you can also compare the alternative card options given below.

Alternative of the icici inter miles credit card

  1. HDFC bank all miles credit card (Best for offering reward points and fuel surcharge waiver)
  2. HDFC solitaire credit card (Best for offering shopping benefits) 
  3. HDFC titanium edge credit card (Best for reward points and dining benefits) 
  4. ICICI bank rubyx credit card (Best for reward points and lounge access benefits)  

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