Emirates Sapphire Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: ICICI Bank
Network: Visa | Tier: Premium
Emirates rewards
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
Drawbacks of the Emirates Sapphire Credit Card
- High fee
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
- Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
- Gold Charge Card by American Express — rated 4.6/5, ₹4,500 annual fee
- Membership Rewards Credit Card by American Express — rated 4.6/5, ₹4,500 annual fee
Expert Rating: 4.5/5