Line up your ₹6L before renewal.
Crossing ₹6L in the anniversary year waives the ₹3,500 fee — automatic for spenders at ₹50,000+/month. Watch your pace in months 10–12.
Premium
ICICI BANK · ICICI SAPPHIRO CREDIT CARD
ICICI Sapphiro Credit Card
ANNUAL FEE
₹3,500 waived at ₹6L spend
FIRST-YEAR NET VALUE
₹45,000 for a mid spender · travel
ICICI BANK ICICI Sapphiro
Updated 2026-04 3 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is ICICI Bank's.
MONTHLY INCOME Check with bank Issuer-dependent
CREDIT SCORE Check with bank Good band
AGE Adult Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹45,000 first-year net value · mid spender · travel
Category rewards ₹36,000
Welcome benefit· Welcome reward points ₹9,000
Annual fee − ₹3,500
Fee waiver (met)· Annual fee waived for next year ₹3,500
Net first-year value ₹45,000
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 2.00% back on eligible spends 2 pts 2 points per ₹100
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 2.0% back
Everything else (base) · 2.0%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time ICICI Bank tweaks the program.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹6,500 · + 18% GST · one-time
Annual fee (year 2+) ₹3,500 · waived at ₹6L spend
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.5%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
4 domestic visits per year. Primary cardholder.
Welcome voucher
₹9,000 Welcome reward points.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
Joining fee is ₹6,500 + 18% GST (₹7,670) and annual fee is ₹3,500 + GST (₹4,130). Spend ₹6 lakh on the card in any anniversary year and the next year's annual fee is waived. The welcome benefit (Tata CliQ, Croma, EaseMyTrip, Uber vouchers + 12-month Zomato Pro, worth ~₹9,000) covers year-one cost if redeemed within 45 days.
HOW WE KEEP THIS CURRENT
Last verified 2026-04. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.