Intermiles ICICI bank Sapphiro Credit Card Review

ICICI Bank, one of the leading credit card providers in India, offers a very wide range of credit cards of various categories. The Intermiles ICICI Bank sapphiro credit card is from the travel credit card segment. It is a travel credit card issued in alliance with InterMiles. To make your travels much more comfortable and luxurious, this card offers some premium travel benefits like free access to airport lounges, discounts on dining, free golf round, and Intermiles points on every transaction, that you can use for travel booking.

There are two variants of this card available – Visa and American Express. More about icici sapphiro credit card features and benefits are given below. 

Intermiles Sapphiro Credit Card Eligibility Criteria:

  • Resident Type: Indian
  • 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. 
  • 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.
  • A long relationship with the bank will help you to get this icici bank credit card
  • An excellent credit score (above 770) is needed to apply for this icici sapphiro card.

If you can fulfill the above-stated eligibility criteria, you can apply for icici bank credit card from the ICICI credit card online application portal or from your nearby ICICI branch. If you are interested to know how to apply for icici credit card? then you can set some help from the 100xGain FAQ page

Once your application is submitted successfully you can check icici credit card application status from the icici bank credit card status tracking page. 

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 credit card rules, all new ICICI 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

ICICI Bank Credit Card Fees:

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

Benefits Of ICICI Credit Card:

Let’s check the icici sapphiro credit card benefits

  • An attractive welcome gift:

With the issuance of the icici sapphiro credit card, you will be welcomed with a bunch of gifts like 

  1. 10,000 bonus Intermiles points. 
  2. A flight discount voucher worth Rs. 750 and a hotel discount voucher of Rs. 1,500. 

Also on spending Rs. 60,000 within the first 3 months of PIN generation, you will get a flight discount voucher of Rs. 750 and another hotel discount voucher of Rs. 1,500. These vouchers are only usable on the Intermiles website. 

  • Accelerated rewards:

   Also, the ICICI sapphiro credit card american express variant of the card offers some extra InterMiles points. The details are given in the table below. 

Category of transaction InterMiles Points (for each Rs. 100 transaction)
All domestic transactions except fuel purchase 5 InterMiles points. 
Utility bills and Insurance premium payment 1 InterMiles point. 
Online flight ticket booking via the InterMiles platform 10 InterMiles points. 
Etihad Airways ticket booking 12.5 InterMiles points. 

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 points. 
All international transactions, made using this card 5 InterMiles points.
Online flight ticket booking via the InterMiles platform 8 InterMiles points. 
Etihad Airways ticket booking 10 InterMiles points. 

You can use your earner InterMiles points for travel booking via the InterMiles platform. 

  • Free access to airport lounges:

Under the Dreamfolks Lounge Access program, you will get 2 free accesses per year to more than 450 airport lounges worldwide. You will also get 2 complimentary spa sessions per year at some of the selected domestic airport spas

Also, under the Visa lounge access program, you will get up to 4 free access per quarter to some of the selected Domestic Visa lounges

  • Premium dining experience:

On this sapphiro credit card icici bank offers exclusive deals on dining at some of the most premium restaurants in India. You can find more about the participating restaurants and latest offers by clicking here

  • Free movie tickets every month:

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 two times a month and only on the tickets booked through BookMyShow. 

  • Travel benefits:

This icici credit card offers you 12.5 InterMiles points and up to a 5% discount on economy class tickets and up to a 10% discount on business class tickets of Etihad Airways. This offer is available for the tickets booked through the Intermiles portal.

  • Freedom from fuel surcharge:

If you use this card to purchase fuel you will get a 1% waiver on fuel surcharges, this offer is applicable at all fuel stations in India. 

  • Free golf rounds:

On completing every Rs. 50,000 retail transaction within a calendar month, you will get a free golf round at some of the most premium golf courses in India. You can get a maximum of 4 complimentary accesses per month. You can click here to book your free golf round.

  • A multilingual concierge service:

ICICI Bank offers a multilingual concierge service to take care of the needs of its customers. The services provided by the ICICI concierge service team include – 

  1. Hotel and travel reservation.
  2. Table booking at premium restaurants.
  3. Car rentals.
  4. Movie ticket booking.
  5. Gift delivery.
  6. Roadside auto assistance. 
  7. Assistance during a medical emergency, etc. 

Call the toll-free number 1800 267 0731 or 022 6787 2016 to book your concierge. 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.

  • Extra benefits on renewal fee payment:

Every year with the payment of the renewal fee, you will earn 5,000 bonus Intermiles points. You can check your reward balance from the icici credit card netbanking account or from your monthly credit card statements. 

  • Convenient ICICI credit card bills payment options:

ICICI Bank offers a convenient payment option for its customers, you can pay your credit card bill online via your netbanking account or by using any credit card payment app. but if you don’t have access to the online icicibank credit card payment options then you can pay your credit card bill via NEFT, cheque, or from your nearby ATM. You can find the icici credit card ifsc code here. 

  • Contactless payment facility: 

This icici card is equipped with an advanced contactless payment system. This feature allows you to make credit card payments by tapping your card over any POS Machine that accepts contactless payments. 

Due to security reasons, the credit card contactless transaction is limited to Rs. 5000 per transaction. You can also set your desired limit from the icici net banking credit card account

ICICI Bank Sapphiro Credit Card Charges:

Particulars Payable amount
Cash withdrawal charges on icici credit card 2.50% against the withdrawn amount, min Rs. 300.
Finance Charges The icici bank credit card rate of interest is 3.50% monthly or 42% annually. 
ICICI sapphiro credit card charges on foreign currency conversion Can go up to 3.5% against the transaction amount.
Add-on card fee Rs. 250.

ICICI Bank Credit Card Customer Care Contact Details:

  • Call the icici bank customer care toll free number for credit card: 1800-419-1222 (Toll Free) or 0124-280-1222
  • Write to the icici bank credit card customer care email id: [email protected] or [email protected] (nodal officer)

100xGain Ratings:

8/10

Final Opinion:

As said before 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 as expected from a premium credit card it is packed with all the premium features and benefits that are needed to make your journey much more comfortable. The reward points are offered in the form of InterMiles points that can be used for travel booking. You will also get free access to domestic and international lounges. In fact, the offered benefits are more than enough to justify the Rs. 5,000 annual fee. 

But if you are looking for a more premium option, then I would suggest you take a look at the top 10 travel credit card page. Hopefully, it will help you to find your choice.  

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