ICICI Bank Sapphiro Credit Card
ICICI Bank · Visa + RuPay · Premium card
Adds a high-value BookMyShow offer and ICICI premium travel access, including two international airport lounge visits each year.
Regular BookMyShow users who value ICICI’s premium card ecosystem and occasional international airport lounge access.
Terms checked 13 Sept 2026
- Annual fee
- ₹3,500 + GST
- Joining fee
- ₹6,500 + GST
- Base reward rate
- 0.5%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| International spending | 1% |
| Online shopping | 0.5% |
| Groceries & essentials | 0.5% |
| Dining & delivery | 0.5% |
| Travel & hotels | 0.5% |
| Beauty & wellness | 0.5% |
| Entertainment & movies | 0.5% |
| Education & family | 0.5% |
| Healthcare & pharmacy | 0.5% |
| Subscriptions & streaming | 0.5% |
| Offline store shopping | 0.5% |
| Other miscellaneous | 0.5% |
| Gold & jewellery | 0.5% |
| Bills & utilities | 0.3% |
| Insurance premiums | 0.3% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹6,00,000 annual spending
- Monthly income requirement
- Approx. ₹75,000/month salaried · ₹75,000/month self-employed
Airport lounge access
16 domestic airport lounge visits per year • 2 international airport lounge visits per year
4 domestic airport lounge visits per quarter · Issuer card
Guest access: Not available
Requires ₹75,000 per Calendar quarter for the following calendar quarter
The four-visit allowance reflects two visits on each card in the published dual-card package.
2 international airport lounge visits per year · Priority Pass
Guest access: Not available
Spend condition: Domestic access requires ₹75,000 in the preceding calendar quarter.
Movies and entertainment
BookMyShow · Buy one, get one · up to ₹500 · 2 uses/month
Requires ₹25,000 per Calendar quarter for the following calendar quarter.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 4 items
International rewards
Usage-based value4 reward points per ₹100 on eligible international purchases.
Utility and insurance rewards
Usage-based value1 reward point per ₹100 on eligible utility and insurance payments.
Domestic rewards
Usage-based value2 reward points per ₹100 on eligible domestic purchases.
Four points per ₹100 internationally, two on domestic spend and one on utility and insurance spend
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹3,500₹3,500 annual fee before applicable tax.
Joining fee
Cost ₹6,500₹6,500 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹3,500Annual fee may be waived after ₹6,00,000 of eligible annual spending.
Conditions: Reach ₹6,00,000 eligible annual spending
Welcome benefits · 5 items
₹3,000 Tata CLiQ voucher
Recorded value ₹3,000Fixed-face-value welcome voucher.
Conditions: Pay the applicable joining fee · Issuer fulfilment and voucher-validity rules apply
₹4,000 EaseMyTrip vouchers
Recorded value ₹4,000Four ₹1,000 welcome vouchers.
Conditions: Pay the applicable joining fee · Issuer fulfilment and voucher-validity rules apply
₹5,000 Da Milano voucher
Recorded value ₹5,000Fixed-face-value welcome voucher.
Conditions: Pay the applicable joining fee · Issuer fulfilment and voucher-validity rules apply
₹1,500 Croma vouchers
Recorded value ₹1,500Three ₹500 welcome vouchers.
Conditions: Pay the applicable joining fee · Issuer fulfilment and voucher-validity rules apply
Three months of EazyDiner Prime
Shown without a cash valueWelcome membership with issuer-published value of ₹1,095; no guaranteed cash value is assigned.
Conditions: Pay the applicable joining fee · Partner activation and validity terms apply
Spend milestones · 9 items
4,000 points at ₹4 lakh
4,000 reward unitsUnlocked after ₹4,00,000 of eligible spending.
Conditions: Reach ₹4,00,000 per card anniversary year
2,000 points at ₹5 lakh
2,000 reward unitsUnlocked after ₹5,00,000 of eligible spending.
Conditions: Reach ₹5,00,000 per card anniversary year
2,000 points at ₹6 lakh
2,000 reward unitsUnlocked after ₹6,00,000 of eligible spending.
Conditions: Reach ₹6,00,000 per card anniversary year
2,000 points at ₹7 lakh
2,000 reward unitsUnlocked after ₹7,00,000 of eligible spending.
Conditions: Reach ₹7,00,000 per card anniversary year
2,000 points at ₹8 lakh
2,000 reward unitsUnlocked after ₹8,00,000 of eligible spending.
Conditions: Reach ₹8,00,000 per card anniversary year
2,000 points at ₹9 lakh
2,000 reward unitsUnlocked after ₹9,00,000 of eligible spending.
Conditions: Reach ₹9,00,000 per card anniversary year
2,000 points at ₹10 lakh
2,000 reward unitsUnlocked after ₹10,00,000 of eligible spending.
Conditions: Reach ₹10,00,000 per card anniversary year
2,000 points at ₹11 lakh
2,000 reward unitsUnlocked after ₹11,00,000 of eligible spending.
Conditions: Reach ₹11,00,000 per card anniversary year
2,000 points at ₹12 lakh
2,000 reward unitsUnlocked after ₹12,00,000 of eligible spending.
Conditions: Reach ₹12,00,000 per card anniversary year
Airport lounge access · 2 items
Domestic lounge access
Usage-based value4 visits per quarter through Issuer card. Guest access: not available. The four-visit allowance reflects two visits on each card in the published dual-card package.
Conditions: Spend ₹75,000 per calendar quarter
International lounge access
Usage-based value2 visits per year through Priority Pass. Guest access: not available.
Movies and entertainment · 1 item
BookMyShow movie offer
Usage-based · up to ₹12,000Buy one, get one offer up to ₹500, 2 times per month.
Conditions: Spend ₹25,000 per calendar quarter
Dining · 1 item
ICICI Culinary Treats and network dining privileges
Shown without a cash value
Golf · 1 item
One golf round or lesson per ₹50,000 prior-month spend, capped at four per month
Shown without a cash value
Insurance and protection · 3 items
Air-accident cover up to ₹3 crore subject to card-use and ticket-purchase conditions
Shown without a cash valueRuPay personal-accident cover of ₹2 lakh
Shown without a cash valueCounterfeit-card and account-takeover protection under policy terms
Shown without a cash value
Fuel benefits · 1 item
1% fuel surcharge waiver on eligible fuel transactions up to ₹4,000
Shown without a cash value
Concierge · 1 item
24-hour concierge service
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Published minimum monthly income: ₹75,000. Self-employed threshold derives from the published ₹9 lakh annual income condition.
Other categories (4)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source ↗Memberships
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source ↗Other benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗
What stands out
- ✓ Four points per ₹100 internationally, two on domestic spend and one on utility and insurance spend
- ✓ Welcome vouchers with ₹13,500 fixed face value plus three months of EazyDiner Prime
- ✓ Four domestic lounge visits per quarter after ₹75,000 preceding-quarter spend and two international visits yearly
- ✓ BookMyShow buy-one-get-one up to ₹500 twice monthly after the movie-spend condition
What to watch
From April 2026 the movie offer needs ₹25,000 of preceding-quarter spend. Domestic airport lounge access has a separate ₹75,000 quarterly threshold, and forex markup is 3.5%.
Recorded exclusions
Fuel Commute · Rent
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value reduced
Movie offer gained a quarterly spend condition
ICICI Bank linked the twice-monthly BookMyShow offer to preceding-quarter card spend.
- Before
- The published movie offer did not have the current ₹25,000 preceding-quarter threshold.
- After
- ₹25,000 eligible spend in the preceding quarter is required for the movie offer.
Checked 21 Sept 2026ICICI Bank card benefit changes ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026 · Latest recorded change effective 1 Apr 2026