ICICI Sapphiro
Issuer: ICICI Bank
Network: Visa | Tier: Super Premium
The ICICI Sapphiro is a super premium credit card offering 4 reward points per ₹100 spent, unlimited domestic lounge access, and premium concierge services. A strong contender in the premium credit card segment.
Fees & Charges
| Annual Fee | ₹6,500 + GST |
|---|---|
| Joining Fee | ₹6,500 + GST |
| Interest Rate | 3.40% per month |
| Foreign Markup | 3.5% + GST |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 |
Rewards & Benefits
| Reward Rate | 4 Reward Points per ₹100 |
|---|---|
| Welcome Bonus | Up to 10,000 bonus points |
| Lounge Access | Unlimited domestic + 8 international |
| Best For | Premium lifestyle and travel |
Key Highlights
- 4 reward points per ₹100 on all spends
- Unlimited domestic lounge access
- International lounge access (2/quarter)
- Golf privileges at top courses
- Premium concierge services
Eligibility Criteria
- Minimum income ₹15 lakh per annum
- CIBIL score 750+
- Age 21-60 years
Minimum Income Required: ₹15,00,000+ per annum
Pros
- High reward rate (4RP/₹100)
- Unlimited domestic lounges
- Golf privileges
- Good travel insurance
- Concierge service
Cons
- High annual fee
- International lounge limit
- 3.5% foreign markup
- Points transfer ratio not 1:1
Expert Rating: 4.5/5