The ICICI Bank Sapphiro Credit Card is a premium lifestyle card designed for high-spending individuals who value travel, entertainment, and luxury perks. Positioned just below the Emeralde in ICICI’s Gemstone Collection, the Sapphiro offers a robust suite of benefits, including airport lounge access, milestone rewards, golf privileges, and exclusive vouchers, making it a compelling choice for affluent professionals and frequent travelers, Here’s a detailed review to help you decide if this card is right for you.

• Get Welcome Vouchers from Tata CLiQ, Uber, EaseMyTrip & Tata Croma Up to ₹9,000.

• Earn reward points on every ₹100 spent—4 points on international, 2 on domestic, and 1 on utilities & insurance.
• Redeem points for a wide range of categories like health & beauty, travel, shopping, home appliances, electronics, and fashion.

• 2 complimentary international airport lounge accesses annually and 4 complimentary domestic airport lounge accesses quarterly.

• Get a Buy One Get One (BOGO) offer on movie tickets up to ₹500 off on the second ticket through BookMyShow, available twice every month.

• Get up to 4 complimentary golf rounds every month.

• Get 4,000 reward points on ₹4 lakh spend & 2,000 for every additional ₹1 lakh spend.

• Get Air Accident Insurance cover Up to ₹3 crore.

• Get round-the-clock assistance.

• Get dining discounts with Culinary Treats Programme.

• Get 1% waiver on fuel transactions of upto ₹4,000 at all fuel pumps.

• Joining Fee ₹6,500 + GST.
• Annual Fee ₹3,500 + GST Waived on ₹6 lakh annual spend (exclusions apply).
• Finance Charge 3.75% per month (45% p.a.).
• Foreign Markup 3.5%.

• Best for: High spenders, frequent travelers, and those who can utilize lifestyle perks.
• Annual Fee Waiver: Achievable on ₹6 lakh annual spend (excluding rent, wallet loads, and government payments).
  
• International Use: 3.5% forex markup applies; notify the bank before overseas travel.
  
• Redemption: Points can be redeemed for a wide range of categories.

• Redeem points for shopping, travel, luxury products.
• Welcome vouchers for brands like Uber, Croma, and EaseMyTrip.

• Affluent professionals and business owners who spend ₹6 lakh+ annually.
• Frequent flyers and travelers who value lounge access and insurance.
• Golf and dining enthusiasts seeking premium privileges.
• Movie lovers who can maximize BookMyShow offers.
• Users comfortable with a moderate annual fee in exchange for luxury perks and rewards.

The ICICI Bank Sapphiro Credit Card is a well-rounded premium card that delivers strong value for high spenders who travel, dine out, and enjoy entertainment. Its suite of lifestyle benefits, milestone rewards, and travel perks make it a top contender in the premium credit card segment. For those who can leverage its features, the Sapphiro offers excellent returns and a touch of luxury.

• Eligibility: Age 21–65, minimum monthly income ₹75,000 (salaried) or ₹9 lakh p.a. (self-employed).

• Plan your annual spends to qualify for the annual fee waiver.
• Maximize lounge, golf, and dining benefits for best value.
• Monitor excluded categories to ensure rewards accrue as expected.

Maintain financial discipline by monitoring credit card obligations and ensuring timely payment of outstanding bills to avoid mounting debt. Leverage the card’s premium benefits only if aligned with your spending capacity. For personalized credit card debt management and relief solutions, explore how CDMS can help you maintain a healthy credit profile and financial stability.