Emirates Sapphire Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: ICICI Bank
Network: Visa | Tier: Premium
The Emirates Sapphire Credit Card is a Premium Visa credit card issued by ICICI Bank, best suited for frequent flyers. It carries a joining fee of ₹6,500 and an annual fee of ₹3,500, with an interest rate of 3.4% per month. Key benefits include Emirates rewards, Skywards miles, Lounge, and Insurance. New cardholders get a welcome benefit of Bonus miles. On fees — Lounge access: Lounge; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹10,00,000/year to qualify. It falls under the Premium, Travel, and Fuel category on CreditCardHunt.
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Why Choose the Emirates Sapphire Credit Card?
The Emirates Sapphire Credit Card is a Premium-tier Visa credit card issued by ICICI Bank, rated 4.5/5 by the Credit Card Hunt editorial team. It is best suited for Frequent flyers. With a reward rate of Skywards miles and an annual fee of ₹3,500, it ranks among the popular Premium cards in India in 2026.
New cardholders are welcomed with Bonus miles, which adds immediate value in the first year.
Emirates Sapphire Credit Card Fees & Charges
| Annual Fee | ₹3,500 |
|---|---|
| Joining Fee | ₹6,500 |
| Interest Rate | 3.4% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
Emirates Sapphire Credit Card Rewards & Benefits
| Reward Rate | Skywards miles |
|---|---|
| Welcome Bonus | Bonus miles |
| Lounge Access | Lounge |
| Best For | Frequent flyers |
Key Highlights of the Emirates Sapphire Credit Card
- Emirates rewards
- Skywards miles
- Lounge
- Insurance
Emirates Sapphire Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 750+
- Minimum income: ₹10,00,000/year
Minimum Income Required: ₹10,00,000/year
Advantages of the Emirates Sapphire Credit Card
- Airline benefits — a genuine plus for anyone eyeing this premium card.
Drawbacks of the Emirates Sapphire Credit Card
- High fee — worth weighing before you apply.
Emirates Sapphire Credit Card — Frequently Asked Questions
What is the annual fee of the Emirates Sapphire Credit Card?
The Emirates Sapphire Credit Card has an annual fee of ₹3,500 and a joining fee of ₹6,500. New cardholders receive Bonus miles as a welcome benefit, which helps offset the joining cost.
Does the Emirates Sapphire Credit Card offer airport lounge access?
Yes — the Emirates Sapphire Credit Card offers Lounge.
Who is eligible for the Emirates Sapphire Credit Card?
The minimum income requirement is ₹10,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Emirates Sapphire Credit Card?
The Emirates Sapphire Credit Card earns Skywards miles. It is best suited for Frequent flyers.
Credit Cards Similar to the Emirates Sapphire Credit Card
If you are considering the Emirates Sapphire Credit Card, these premium credit cards are worth comparing before you apply:
- HDFC Infinia by HDFC Bank — rated 4.9/5, ₹12,500 + GST annual fee
- Etihad Guest Premium Credit Card by Bank of Baroda — rated 4.7/5, ₹5,000 annual fee
- EazyDiner Signature Credit Card by IndusInd Bank — rated 4.7/5, ₹2,999 annual fee
- Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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Expert Rating: 4.5/5