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Key Features of ICICI Bank Sapphiro Credit Card

  • Welcome Benefits:
    • Welcome vouchers worth ₹9,000+ from top brands like Croma, Uber, EaseMyTrip, Tata CLiQ, and Zomato upon payment of joining fee (₹6,500 + GST).
    • Zomato Pro 12-month membership voucher worth ₹800 included in welcome benefits.
  • Reward Points Program: Earning Reward Points:
    • 4 Reward Points for every ₹100 spent on international transactions.
    • 2 Reward Points for every ₹100 spent on domestic retail purchases (except fuel).
    • 1 Reward Point for every ₹100 spent on utilities and insurance.
    Milestone Benefits:
    • Earn 4,000 Bonus Reward Points on spending ₹4 lakh in an anniversary year.
    • Earn 2,000 Bonus Reward Points for every subsequent ₹1 lakh spent, up to 20,000 points annually.
    Redemption: 1 Reward Point = ₹0.25 when redeemed for cash or products.
ICICI Sapphiro Credit Card
    • Travel Benefits:
    • International Lounge Access: Primary Cardholders: 2 complimentary international airport lounge visits per calendar year via Priority Pass or DreamFolks membership (depending on card issuance date). Access over 650 lounges across 100+ countries. Present the Priority Pass or DreamFolks Membership Card at participating lounges.
    • Domestic Lounge Access: 4 complimentary domestic airport lounge visits per quarter (2 per variant for dual cardholders with Mastercard and Amex) upon spending ₹5,000 in the previous calendar quarter. Access to premium lounges in India, offering gourmet meals, free Wi-Fi, comfortable seating, and more.
    • Spa Sessions: 2 complimentary spa sessions at domestic airports annually, enhancing the travel experience.
    • Fuel Surcharge Waiver: 1% waiver on fuel purchases up to ₹4,000 per transaction at any fuel station, making road trips more economical.
    • Golf Privileges: Complimentary Golf Rounds: Up to 4 complimentary golf rounds or lessons per month at select premium golf courses in India and worldwide. Eligibility: Spend ₹50,000 in the previous calendar month to unlock one round/lesson, redeemable within 2 months via This feature appeals to golf enthusiasts, offering access to exclusive courses for leisure or practice.
    • Entertainment Benefits:
    • Movie Ticket Offers: Buy one movie/event ticket and get up to ₹500 off on the second ticket, twice per month, via
    • BOGO Offer: The "Buy One, Get One" free movie ticket offer is ideal for frequent moviegoers, providing significant savings on premium seats like recliners.
    • Fuel Benefits: Get a 1% fuel surcharge waiver at HPCL petrol pumps for transactions between ₹400 and ₹4,000, if swiped on ICICI Merchant Services terminals.
    • RuPay Variant Benefits:
      • UPI Compatibility: Link card to UPI apps for smooth payments with 0.25%–0.5% reward rate on UPI spends.
      • Insurance Cover: Personal accident insurance of ₹2 lakh for RuPay cardholders.
      • Concierge Services: 24x7 concierge support.
      • Lifetime Free: Often issued as a Lifetime Free card for existing ICICI Bank customers.
    • Security Features:
      • Embedded Microchip: Offers protection against duplication and skimming.
      • PIN-Based Transactions: Required for POS purchases; online transactions use 3D Secure authentication.
      • Contactless Payments: Tap-and-pay enabled for secure and faster checkouts.
    • Interest-Free Credit Period: Up to 48 days of interest-free credit available if the total due is paid in full before the due date. Interest is charged at 3.4% monthly (40.8% annually) on outstanding amounts.
    • Dual Card Variants: EMI Facility: Convert purchases above ₹3,000 into easy monthly installments via ICICI Bank’s internet banking or iMobile app within 30 days of purchase. Loan on Card: Access instant cash up to ₹20 lakh at lower interest rates (starting from 13%) with flexible repayment terms. Multiple Bill Payment Options: Pay bills via auto-debit, NEFT, UPI, iMobile app, cheque, or cash (with nominal add-on charges for cash payments).
    • Flexible Payment Options: Available in Visa, Mastercard, or American Express variants (Amex not issued for new applications as of 2025). Some users receive dual cards (e.g., Mastercard + Amex) with a shared credit limit and consolidated billing for convenience. Dual variants provide flexibility, with Amex offering specific discounts on platforms like Zomato or Flipkart.
    • Concierge Services: Access to 24/7 concierge services via iAssist for assistance with travel bookings, dining reservations, or golf tee-time scheduling.
Sapphiro Credit Card Rewards

Benefits of ICICI Bank Sapphiro Credit Card

  • 1. Welcome Benefits:
    • Exclusive Vouchers: Upon paying the joining fee (₹6,500 + GST), cardholders receive vouchers worth over ₹9,000, redeemable within 45 days:
      • Tata CLiQ: ₹3,000 voucher for shopping (luxury apparel, electronics, etc.).
      • EaseMyTrip: Four ₹1,000 vouchers for flight or hotel bookings.
      • Croma: ₹1,500 voucher for electronics and appliances.
      • Uber: Four ₹250 vouchers for rides.
      • Zomato Pro: 12-month membership voucher (worth ₹800) for dining discounts and free delivery.
      Benefit: These vouchers provide immediate value, effectively offsetting the joining fee and catering to shopping, travel, and dining needs.
        • Reward Points Program:
        • Earning Points:
        • International Spends: 4 Reward Points per ₹100 spent on international transactions (excluding fuel, utilities, and insurance).
        • Domestic Spends 2 Reward Points per ₹100 spent on retail purchases in India (except fuel).
        • Utilities & Insurance: 1 Reward Point per ₹100 spent.
        • Milestone Rewards: 4,000 Reward Points on spending ₹4 lakh in an anniversary year. 2,000 Reward Points for every additional ₹1 lakh spent thereafter, up to a maximum of 20,000 points annually.
        • Redemption Options:
        • Redeem points for cashback (1 Reward Point = ₹0.25).
        • E-vouchers for Amazon, Flipkart, Tanishq, Marriott, and more.
        • Products from ICICI’s rewards catalog.
        • Convert points to air miles for select airline loyalty programs.
        • Benefit:High reward rates on international spends and milestone bonuses make this ideal for frequent travelers and big spenders.
        • Redemption Options: Exchange points for products, gift vouchers, or experiences via ICICI Bank’s rewards portal (www.icicibank.com/rewards). Options include:
        • Travel: Vouchers for MakeMyTrip, Yatra, or airline miles.
        • Lifestyle: Vouchers for Amazon, Flipkart, Tanishq, or luxury brands.
        • Experiences: Spa treatments, dining, or adventure activities. Points can also be redeemed via the iMobile app or by contacting customer care at 8885545255.
        • Reward Value: The effective reward rate ranges from 0.5% (domestic spends) to 1% (international spends), assuming optimal redemption.
        • Milestone Rewards: Earn 1,500 Bonus Reward Points for every ₹1 lakh spent, up to 15,000 Bonus Reward Points annually.
        • Travel Benefits:
        • International Lounge Access: 2 complimentary visits per calendar year via Priority Pass or DreamFolks.
        • Domestic Lounge Access: 4 complimentary visits per quarter (2 per variant) on spending ₹5,000 in the previous quarter.
        • Spa Sessions: 2 complimentary spa sessions per year at select airport spas.
        • Railway Lounge Access: 2 complimentary visits per quarter for the primary cardholder at major Indian railway stations.
        • Fuel Surcharge Waiver: 1% waiver for transactions up to ₹4,000 at HPCL pumps via ICICI Bank PoS machines, up to ₹250 per transaction.
        • Concierge Services: Flight, hotel, and holiday package bookings. Car rentals and airport transfers. Event ticket bookings . Emergency and medical assistance.
        • Lifestyle & Entertainment Benefits:
        • Movie Tickets: BOGO offer up to ₹500 off, twice per month on BookMyShow.
        • Dining Discounts: 15–25% off at 2,500+ partner restaurants via Culinary Treats.
        • Zomato Pro: Complimentary 12-month membership.
        • Golf Privileges: Up to 4 free rounds/lessons monthly on spending ₹50,000 in the prior month via www.teetimes.golftripz.com.
        • Insurance & Security Benefits:
        • Air Accident Insurance: Coverage up to ₹3 crore.
        • Credit Shield Cover: ₹50,000 on outstanding balances in case of unforeseen events.
        • Lost Card Liability: ₹50,000 protection including pre-reporting losses.
        • Account Takeover Cover: Protection against data misuse.
        • Eligibility: Card must be used in the last 60 days; dues must be paid.
        • Security Features: EMV Chip & PIN, 3D Secure Authentication Zero Liability after reporting a lost/stolen card, Contactless NFC Tap & Pay.
        • Flexible Payment Options:
        • EMI Facility: Convert purchases over ₹3,000 into EMIs within 30 days.
        • Loan on Card: Get up to ₹20 lakh instantly at competitive rates (13%+).
        • Multiple Payment Methods: NEFT, auto-debit, UPI, iMobile, cheque, or cash.
        • Dual Card Variants: Available in Visa, MasterCard, and (legacy) Amex variants. Dual cardholders enjoy a shared credit limit and consolidated billing. Amex offers are limited to old cardholders.
        • Customizable Rewards: Hand-picked Rewards lets you change preferred spend categories (shopping, travel, essentials) every 6 months.
        • Exclusive Offers: Access curated deals and brand offers via ICICI Bank partnerships with Visa, MasterCard, and American Express.
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How to Apply for ICICI Bank Sapphiro Credit Card

  • Option 1: Online Application
    The online process is convenient, fast, and offers real-time tracking. Follow these steps:
    • Step 1: Visit ICICI Bank Website or iMobile App
      Go to www.icicibank.comor use the iMobile Pay app (available on iOS and Android).
    • Step 2: Navigate to Credit Cards Section
      On the website, go to “Cards & Loans” > “Credit Cards”.
      In the iMobile app, go to “Cards & Forex” > “Credit Cards”.
    • Step 3: Select Sapphiro Credit Card
      Browse available cards and click “ICICI Bank Sapphiro Credit Card”.
      Review features, fees (₹6,500 + GST joining, ₹3,500 + GST annual), and benefits.
      Click “Apply Now” or “Get Started”.
    • Step 4: Fill in the Application Form
      Provide personal details (name, DOB, gender, PAN, Aadhaar - optional), contact details, occupation, income, employer/business info, and addresses.
    • Step 5: Upload Documents
      Upload scanned copies/photos of identity proof, address proof, income proof, and a photograph.
      Acceptable formats: PDF, JPG, PNG. File size: 2–5 MB.
    • Step 6: Complete Video KYC (if prompted)
      Follow instructions to join a live video call for KYC using original ID/address proof and a stable internet connection.
    • Step 7: Submit Application
      Review and submit. You’ll receive an Application Reference Number via SMS/email.
    • Step 8: Track Application Status
      Use the reference number to track progress on the website or iMobile app.
    • Step 9: Approval & Delivery
      Approval takes 7–14 working days (instant for pre-approved).
      Card delivered to your registered address within 5–7 working days.
      A digital card may be issued via the iMobile app for immediate use.
    • Step 10: Activate the Card
      Use the iMobile app, net banking, or call 1800-1080 to activate.
    • Pre-Approved Offers (Optional)
      Existing ICICI customers may get pre-approved offers with minimal documentation and instant digital issuance.
  • Option 2: Offline Application
    Prefer in-person assistance? Follow this offline process:
    • Step 1: Visit ICICI Bank Branch
      Locate the nearest branch via ICICI’s website and bring original and self-attested copies of required documents.
    • Step 2: Request Application Form
      Ask a representative for the Sapphiro Credit Card form or download and fill it beforehand.
    • Step 3: Fill the Form
      Provide personal, employment, and address details.
      Affix a recent passport-size photo.
    • Step 4: Submit Documents
      Submit the filled form along with ID, address, and income proofs. Originals may be verified on-site.
    • Step 5: Verification Process
      The bank may perform tele-verification or physical verification (home/office visit).

Eligibility Criteria for ICICI Bank Sapphiro Credit Card

  • Age Requirements:
    • Primary Cardholder: Must be between 21 and 60 years of age.
    • Add-on Cardholder: Must be 18 years or older (applicable for family members like spouse, parents, siblings, or children).
  • Income Requirements:
    • Salaried Individuals:
      • Minimum monthly income: ₹75,000–₹80,000 (varies based on profile and city)
      • Annual Income:
        • ₹2.4 lakh for existing ICICI Bank customers
        • ₹3.6 lakh for non-ICICI Bank customers
    • Self-Employed Individuals:
      • Minimum annual income: ₹9 lakh–₹10 lakh
      • Income Tax Return:
        • ₹3.6 lakh for ICICI Bank customers
        • ₹4.8 lakh for non-ICICI Bank customers
  • Credit Score: A credit score of 750 or above (CIBIL, Experian, or Equifax) is preferred. Applicants with a lower score may still be considered if they have strong income stability or an existing relationship with ICICI Bank.
  • Residency: Must be a resident of India with a valid residential address. NRIs are not eligible unless they maintain resident status with a verifiable Indian address.
  • Employment Status:
    • Salaried: Must be employed with a reputed organization (public/private sector) with a stable income source.
    • Self-Employed: Must have a registered business or profession (e.g., doctor, lawyer) with verifiable consistent income.
  • Experience:
    • Salaried individuals: Minimum 1–2 years of work experience.
    • Self-employed individuals: Minimum 2–3 years of business or professional practice.
  • Existing Relationship with ICICI Bank (Optional): Customers with existing savings accounts, loans, or fixed deposits may have relaxed criteria or receive pre-approved offers.
  • Financial Behavior: Applicants must not have a history of frequent loan defaults, high credit utilization, or multiple recent credit inquiries.
  • Debt-to-Income Ratio: Assessed by the bank to ensure the applicant can manage the card’s credit limit and fees.
  • Fees to Consider: Applicants should be able to manage the joining fee of ₹6,500 + GST and an annual fee of ₹3,500 + GST.
  • Regular Income Source: Applicants must have a stable and verifiable income source, whether salaried or self-employed, to ensure timely payment of dues.
  • Bank Statements: Recent bank statements (last 3–6 months) are typically required for verification of income and financial health.
  • Legal Standing: Applicants should not be involved in any legal disputes or insolvency proceedings that may affect their eligibility.
  • Application Completeness: All necessary documents and details must be provided accurately for faster approval. Missing or incorrect information can delay processing.
  • Credit Utilization History: Applicants should have a balanced or low credit utilization rate on existing credit lines, which is favorable for approval.
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Documents Required for ICICI Bank Sapphiro Credit Card

  • Identity Proof (Any one):
    • PAN Card (mandatory for credit limit allocation and processing)
    • Aadhaar Card
    • Passport
    • Driving License
    • Voter’s ID
    • Government-issued photo ID card (e.g., PSU employee ID)

    Note: PAN Card is compulsory as it is linked to your credit profile and used for tax verification.

  • Address Proof (Any one):
    • Aadhaar Card
    • Passport
    • Utility Bills (electricity, gas, or telephone – not older than 3 months)
    • Rental Agreement (registered with a government authority)
    • Ration Card
    • Property Tax Receipt
    • Bank Statement or Passbook (with address, not older than 3 months)
  • Income Proof:
    • For Salaried Individuals (any one):
      • Latest 3 months’ Salary Slips (showing employer and salary details)
      • 6 months’ Bank Statements (reflecting salary credits)
      • Form 16 (latest, issued by employer)
      • Appointment Letter or Employment Contract (optional, if newly employed)
    • For Self-Employed Individuals (any one):
      • Latest ITR with income computation (last 1–2 years showing ₹3.6–₹4.8 lakh annual income)
      • 6 months’ Bank Statements (business or personal)
      • Audited Financial Statements (Profit & Loss and Balance Sheet)
      • Business Proof (e.g., GST Certificate, Shop Act License, or Professional License – optional, if requested)
    • Note: Minimum income: ₹2.4–₹3.6 lakh (salaried) or ₹3.6–₹4.8 lakh (self-employed) annually.
  • Photograph:
    • One or two recent passport-sized color photographs
    • Required for offline applications; optional for online if uploaded digitally
  • Application Form:
    • Duly filled and signed application form is required
    • Online: Fill digitally via ICICI Bank website or iMobile app
    • Offline: Available at ICICI branches or downloadable from ICICI Bank website

Key Factors for the ICICI Bank Sapphiro Credit Card

  • Income Level:
    • Salaried: Monthly income of ₹75,000–₹80,000; Annual income ₹2.4 lakh (ICICI customers) or ₹3.6 lakh (others).
    • Self-Employed: Annual income of ₹9–10 lakh; ITR of ₹3.6 lakh (ICICI) or ₹4.8 lakh (others).
    • Impact: Strong income helps manage the premium fees and high credit limit.
    • Verification: Salary slips, bank statements, or ITR documents as proof.
  • Credit Score and Credit History:
    • Preferred credit score: 750+ (CIBIL, Experian, Equifax).
    • Scores between 700–750 may be considered for ICICI customers or those with high income.
    • Below 700 may lead to rejection, especially if recent defaults exist.
    • High credit utilization or multiple credit inquiries reduce approval odds.
  • Employment Stability:
    • Salaried: 1–2 years with a reputed organization.
    • Self-Employed: 2–3 years of stable business or professional practice.
    • Impact: Demonstrates consistent income and financial reliability.
  • Existing Relationship with ICICI Bank:
    • Not mandatory, but preferred for faster approval and reduced documentation.
    • May receive pre-approved offers or relaxed income/score criteria.
    • Impact: ICICI customers with good history have higher chances of approval.
  • Documentation Accuracy:
    • Identity: PAN (mandatory), Aadhaar, Passport, etc.
    • Address: Aadhaar, utility bill (<3 months), or rental agreement.
    • Income: Salary slips, Form 16, ITR, bank statements.
    • Impact: Errors or mismatches can delay or reject the application.
  • Debt-to-Income Ratio (DTI):
    • DTI should ideally be below 30–40%.
    • Higher DTI = higher rejection risk due to repayment concerns.
    • Pay off debts or reduce utilization to improve chances.
  • Credit Behavior and Utilization:
    • No late payments, defaults, or settlements in the last 12–24 months.
    • Utilization should be below 30% of current credit limit.
    • Impact: Clean and responsible usage strengthens application.
  • Residency and Nationality:
    • Applicant must be an Indian resident with valid address proof.
    • NRIs typically not eligible unless stated under NRI banking.
    • Temporary/rental addresses may need extra verification.
  • Application Behavior:
    • Avoid multiple credit/loan applications in 3–6 months.

Frequently Asked Questions (FAQs)

What is the ICICI Bank Sapphiro Credit Card?
The ICICI Bank Sapphiro Credit Card is a premium credit card designed for high-net-worth individuals. It offers benefits like complimentary airport lounge access, golf privileges, movie ticket offers, dining discounts, and a rewarding points program. It is available in Visa, Mastercard, and American Express variants (Amex not issued for new applications as of 2025).
Who is this card best suited for?
This card is ideal for:
  • Frequent travelers seeking lounge access and travel vouchers.
  • High spenders who can meet the ₹6 lakh annual spend threshold to waive the annual fee.
  • Lifestyle enthusiasts who enjoy golf, dining, and movie benefits.
  • Individuals with strong income and a credit score of 750+.
What are the variants of the Sapphiro Credit Card?
The ICICI Bank Sapphiro Credit Card is available in:
  • Visa
  • Mastercard
  • American Express (for existing dual cardholders only)
Dual cardholders receive two cards with a shared credit limit and consolidated billing.
What are the eligibility criteria for the Sapphiro Credit Card?
Age: Primary: 21–60 years; Add-on: 18+ years.
Income:
Salaried: ₹75,000–₹80,000/month (₹2.4L–₹3.6L annual)
Self-Employed: ₹9L–₹10L/year (ITR: ₹3.6L–₹4.8L)
Credit Score: 750+ preferred
Residency: Indian resident with valid address
Employment: Stable income (1–2 years salaried, 2–3 years self-employed)
What documents are required to apply?
Identity Proof: PAN Card (mandatory), Aadhaar, Passport, Voter ID, Driving License
Address Proof: Aadhaar, Passport, utility bill (<3 months), rental agreement
Income Proof:
Salaried: 3 months’ salary slips, 6 months’ bank statement, or Form 16
Self-Employed: Latest ITR, 6 months’ bank statement, or audited financials
Photograph: 1–2 recent passport-size photos
How can I apply for the Sapphiro Credit Card?
Online:
Visit www.icicibank.com or iMobile Pay App
Navigate to Cards & Loans > Credit Cards > ICICI Bank Sapphiro Credit Card > Apply Now
Fill in details, upload documents, complete video KYC if needed
Offline:
Visit an ICICI Bank branch with documents and fill out the application form
Pre-Approved Offers: Check internet banking, SMS, or app for instant approval options
How long does the approval process take?
  • Standard Applications: 7–14 working days (subject to verification)
  • Pre-Approved Offers: Instant approval, with digital card issued immediately via iMobile
  • Physical Card Delivery: 5–7 working days after approval
Can non-ICICI Bank customers apply?
Yes, but stricter checks and additional documentation (e.g., complete KYC and income proof) may be required. ICICI customers may get relaxed criteria or pre-approved offers.
What are the fees for the Sapphiro Credit Card?
  • Joining Fee: ₹6,500 + GST (one-time)
  • Annual Fee: ₹3,500 + GST (waived on ₹6 lakh annual spend)
  • Foreign Transaction Fee: 3.5%
  • Cash Advance Fee: 2.5% or ₹300 (minimum)
  • Interest Rate: 3.4%/month (40.8% annually)
  • Late Payment Charges: ₹100–₹750 based on bill amount
Is there a way to waive the annual fee?
Yes, the annual fee of ₹3,500 + GST is waived if your card usage exceeds ₹6 lakh in a year. High spenders can achieve this through travel, shopping, and bill payments.

List of ICICI Bank Sapphiro Credit Card AP Branches

  • Andhra Pradesh (Samalkot)
  • Andhra Pradesh (Sattenapalle)
  • Andhra Pradesh (Srikakulam)
  • Andhra Pradesh (Sullurpeta)
  • Andhra Pradesh (Tadepalle)
  • Andhra Pradesh (Tadepalligudem)
  • Andhra Pradesh (Tadipatri)
  • Andhra Pradesh (Tekkali)
  • Andhra Pradesh (Tenali)
  • Andhra Pradesh (Tirupati)
  • Andhra Pradesh (Tiruvuru)
  • Andhra Pradesh (Tuni)
  • Andhra Pradesh (Udayagiri)
  • Andhra Pradesh (ভেঙ্কটগిరి)
  • Andhra Pradesh (Vijayawada)
  • Andhra Pradesh (Vinukonda)
  • Andhra Pradesh (Visakhapatnam)
  • Andhra Pradesh (Vizianagaram)
  • Andhra Pradesh (Vuyyuru)
  • Andhra Pradesh (Yelamanchili)
  • Andhra Pradesh (Yemmiganur)