ICICI Bank Sapphiro Credit Card
ICICI Bank Sapphiro Credit Card from ICICI Bank is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 3,500 | Reward type: Reward Points | Best for: Travel, Shopping, International Spends
Estimated value per Rs 100 of eligible spend.
ICICI Bank Sapphiro Credit Card Overview
ICICI Bank Sapphiro Credit Card is an ICICI Bank credit card. Base reward value is about Rs 0.12 per Rs 100 of eligible spend. Zlash checks boosted categories like international spends, utility bills, insurance along with caps and exclusions.
Best For
ICICI Bank Sapphiro Credit Card is most useful when your spends regularly fall into international spends, utility bills, insurance.
Rewards
international spends
2x the base reward rate.
utility bills
0.5x the base reward rate.
insurance
0.5x the base reward rate.
Not Good For
- Spends in excluded categories such as fuel.
- International transactions if you need low forex markup; this card lists 3.5% markup.
Welcome And Travel Benefits
Welcome: Includes welcome value up to Rs 13,000 and voucher-based benefits.
Domestic lounge: Domestic lounge benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
International lounge: International lounge benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Travel: Travel benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Lifestyle Benefits
Movies and dining: Movie and dining benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Golf: Golf benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Insurance: Insurance benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
3.5% foreign currency markup.
Reward Exclusions
Milestone Benefits
- Spend Rs 4,00,000 in a yearly period for benefit value around Rs 1,000.
- Spend Rs 1,00,000 in a yearly period for benefit value around Rs 500.
Zlash Verdict
Choose this card when travel, shopping, international spends match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of ICICI Bank Sapphiro Credit Card?
The listed annual fee is Rs 3,500.
What is ICICI Bank Sapphiro Credit Card best used for?
ICICI Bank Sapphiro Credit Card is most useful when your spends regularly fall into international spends, utility bills, insurance.
Does ICICI Bank Sapphiro Credit Card have reward exclusions?
Yes. The extracted exclusions include fuel.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.