ICICI Sapphiro Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: ICICI Bank
Network: Visa | Tier: Super Premium
The ICICI Sapphiro is a Super Premium Visa credit card issued by ICICI Bank, best suited for premium lifestyle and travel. 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. It carries a joining fee of ₹6,500 + GST, with an interest rate of 3.40% per month. Key benefits include 4 reward points per ₹100 on all spends, Unlimited domestic lounge access, International lounge access (2/quarter), Golf privileges at top courses, and Premium concierge services. New cardholders get a welcome benefit of Up to 10,000 bonus points. On fees — Lounge access: Unlimited domestic + 8 international; Foreign transaction markup: 3.5% + GST; Fuel surcharge: 1% waiver on ₹400-₹5,000. Applicants typically need ₹15,00,000+ per annum to qualify. It falls under the Travel, Premium, and Rewards category on CreditCardHunt.
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Why Choose the ICICI Sapphiro?
The ICICI Sapphiro is a Super 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 Premium lifestyle and travel. With a reward rate of 4 Reward Points per ₹100 and an annual fee of ₹6,500 + GST, it ranks among the popular Travel cards in India in 2026.
New cardholders are welcomed with Up to 10,000 bonus points, which adds immediate value in the first year.
ICICI Sapphiro 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 |
ICICI Sapphiro 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 of the ICICI Sapphiro
- 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
ICICI Sapphiro Eligibility Criteria
- Minimum income ₹15 lakh per annum
- CIBIL score 750+
- Age 21-60 years
Minimum Income Required: ₹15,00,000+ per annum
Advantages of the ICICI Sapphiro
- High reward rate (4RP/₹100) — a highlight among ICICI Bank's super premium lineup.
- Unlimited domestic lounges — a built-in advantage for cardholders.
- Golf privileges — a genuine plus for anyone eyeing this super premium card.
- Good travel insurance — a real advantage for premium lifestyle and travel.
- Concierge service — a highlight among ICICI Bank's super premium lineup.
Drawbacks of the ICICI Sapphiro
- High annual fee may not suit every applicant.
- Before applying, factor in international lounge limit.
- 3.5% foreign markup — worth weighing before you apply.
- On the downside: points transfer ratio not 1:1.
ICICI Sapphiro — Frequently Asked Questions
What is the annual fee of the ICICI Sapphiro?
The ICICI Sapphiro has an annual fee of ₹6,500 + GST and a joining fee of ₹6,500 + GST. New cardholders receive Up to 10,000 bonus points as a welcome benefit, which helps offset the joining cost.
Does the ICICI Sapphiro offer airport lounge access?
Yes — the ICICI Sapphiro offers Unlimited domestic + 8 international.
Who is eligible for the ICICI Sapphiro?
The minimum income requirement is ₹15,00,000+ per annum. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the ICICI Sapphiro?
The ICICI Sapphiro earns 4 Reward Points per ₹100. It is best suited for Premium lifestyle and travel.
Credit Cards Similar to the ICICI Sapphiro
If you are considering the ICICI Sapphiro, these travel credit cards are worth comparing before you apply:
- Reserve Credit Card by Axis Bank — rated 4.9/5, ₹50,000 annual fee
- Infinia Metal Edition Credit Card by HDFC Bank — rated 4.9/5, ₹12,500 annual fee
- HDFC Infinia by HDFC Bank — rated 4.9/5, ₹12,500 + GST annual fee
- Diners Club Black Credit Card by HDFC Bank — rated 4.8/5, ₹10,000 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