ICICI Bank Sapphiro Credit Card Review

ICICI Bank Sapphiro Credit Card is a premium segment gemstone credit card offered by ICICI bank. This card provides its bearer with the benefit of two cards at the convenience of one account: Sapphiro Platinum American Express® Credit Card and Sapphiro MasterCard Credit Card. ICICI Bank Sapphiro Credit Card has the most exclusive list of offers for its bearer.ICICI Bank Sapphiro Credit Card Review


Main Features of ICICI Bank Sapphiro Credit Card

  • Joining Fee: Rs. 6,500 + GST
  • Annual Fee (2nd year onwards): Rs. 3,500 + GST
  • Culinary Treats Programme: 15% savings on dining bills at over 2,500 restaurants across India. For more details visit: ICICI Bank Dining Offers
  • Foreign Transaction Fee: Mark-up of 3.5%
  • Interest Rate: 3.35% + GST
  • 1 Reward point is equals to Rs. 0.25

Features and Welcome Benefits of ICICI Sapphiro Credit Card

Welcome gift

  • You get amazing welcome vouchers worth 10,000 within 45 days of payment of joining fees.
  • Ola Vouchers worth 1000 (Four vouchers worth Rs. 250 each)
  • Shoppers Stop Voucher worth 3000
  • EaseMyTrip Vouchers worth 4000 (Four vouchers worth Rs. 1000 each)
  • Zomato Vouchers worth Rs.1000 (Two vouchers worth Rs. 500 each)
  • Croma Voucher worth 1000

Annual fee savings

  • If you spend more than 6,00,000 in the previous year then the Annual Fee is waived off.

Bookmyshow Movie Ticket Offer

  • Buy one movie or event ticket and get up to Rs 500 off on the second ticket, twice every month at: bookmyshow.com

Airport and Railway Lounge Access on ICICI Bank Sapphiro Credit Card

  • 4 complimentary domestic airport lounge visits per quarter, for both MasterCard and American Express Variant.

Dreamfolks DragonPass Programme

  • Enjoy the advantage of your complimentary DragonPass, the world’s first all-in-one Digital Airport platform.
  • As a DragonPass member, you can relax at more than 450 comfortable and luxurious airport lounges across 115 countries all accross the world.
  • Under complimentary membership to Dreamfolks DragonPass Lounge Access Programme, you get 2 complimentary international airport lounge visits and 2 complimentary domestic airport spa visits (per calendar year).
  • The USD 99 annual membership fee for Dreamfolks DragonPass is complimentary.

Golf rounds

  • 4 complimentary rounds of golf every month at the golf course of your choice based on 50,000 retail spends in the previous calendar month.

24×7 concierge service

Concierge service mainly includes:

  • Flower and gift assistance
  • Restaurant referral and reservation
  • Flight referral and reservation
  • Medical concierge privileges
  • Emergency auto assistance across India
  • Booking and delivery of movie tickets
  • Car rental and limousine service

Rewards Plan

Domestic spends

  • Sapphiro Platinum American Express® Credit Card: 3 PAYBACK Points on spending Rs. 100 (except fuel).
  • Sapphiro Mastercard Credit Card: 2 PAYBACK Points on spending Rs. 100 (except fuel).

International spends

  • Sapphiro Platinum American Express® Credit Card: 6 PAYBACK Points when you spent Rs. 100.
  • Sapphiro Mastercard Credit Card: 4 PAYBACK Points when you spent Rs. 100.

* American express variant you get 50% more rewards.

* Each reward point is equal to Rs. 0.25 when redeemed for cash.

Milestone Rewards program

  • You get 4,000 PAYBACK Points on spending Rs. 4,00,000 on your card.
  • You get 2,000 PAYBACK Points each time you cross Rs. 1,00,000 spend then in an anniversary year; maximum of 20,000 PAYBACK Points per year.
  • You also get 1 PAYBACK Point on every Rs. 100 spent on utilities, insurance and fuel categories.
  • PAYBACK Points can be converted into gift of your choice or cash. For more details visit payback.in.


  • You can receive up to Rs.3 crore as part of air accident insurance cover.

Fuel Surcharge Waiver

  • 1% fuel surcharge waived off on fuel transactions at any fuel outlet.

Mastercard Privileges

  • Mastercard Priceless: Mastercard Priceless is an exclusive programme created especially for Mastercard cardholders. There are various programs which enable the users to enjoy additional benefits such as discount on Refinery concepts outlets, OpenRice Takeaway service, and many more.

American Express Privileges

  • American Express EPAY: With American Express EPAY you can enjoy the ease of automatic payments for electricity, gas, and many more through ‘AutoPay’, without worrying about due dates, standing in queues or writing cheques.
  • American Express® Connect: It provides an extensive assortment of special offers across categories such as Online Shopping, Lodging, Travel, Retail and Dining.

Must Read: ICICI Bank Emeralde Credit Card Review

  • American Express® ezeClick: This is a faster, smarter and safe online payment solution. American Express® ezeClick replaces the necessity to enter Credit Card details every time you shop online with just a single User ID.

Therefore, ICICI Bank Sapphiro Credit Card is an integral part of the Gem Collection which is a series of credit cards introduced by the ICICI Bank. So, if you want to unwind with special privileges given for travel, entertainment, golf and dining plans then you must absolutely go for this credit card.

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