Premium lifestyle credit card with 4 domestic lounge visits per quarter, international lounge access, and BOGO movie tickets.
Frequent Domestic & International Travelers, Golfers & Premium Cinema Goers
₹6,500
One-time upfront₹3,500
Waived on ₹6 lakh annual spend4 points/₹100 intl, 2 points/₹100 domestic
On eligible spends4 Domestic visits/quarter + 2 International visits/year · ₹75k quarterly spend required (Domestic)
Complimentary visitsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The ICICI Bank Sapphiro Credit Card is a premium lifestyle card designed for affluent individuals seeking substantial entertainment, domestic travel, and golf privileges. It earns 4 ICICI Reward Points per ₹100 on domestic retail (1.00% return) and 8 RP per ₹100 on international spending (2.00% return). Its flagship entertainment perk is exceptional: Buy 1 Get 1 free movie tickets up to ₹500 per ticket twice a month on BookMyShow (up to ₹1,000/month or ₹12,000/year in cinema savings). On the travel front, cardholders receive 4 complimentary domestic airport lounge visits per calendar quarter (up to 16 visits per year) on spending ₹75,000 in the previous quarter, 2 complimentary international airport lounge visits per calendar year via DreamFolks, 2 domestic airport spa visits per year, and up to 4 golf rounds per month. However, the joining fee of ₹6,500 and renewal fee of ₹3,500 are high, domestic lounge access is subject to a ₹75,000 quarterly spend requirement, the forex markup is standard at 3.50%, and the fee waiver spend hurdle of ₹6,00,000 is steep. Who should get it: Urban professionals and film buffs who regularly book premium cinema tickets on BookMyShow (recovering up to ₹12,000 annually) and domestic travelers taking 8–16 domestic flights a year. Who should avoid it: Frequent international travelers looking for low forex markups or competitive air-miles transfer ratios, who would be far better served by HDFC Infinia, Diners Black, or Axis Atlas.
4 RPs/₹100 Spent Abroad (~1%) and 2 RPs/₹100 Spent Domestically (~0.50%)
Exclusive Travel & Shopping Vouchers Worth More than ₹13,000 (From Tata CliQ, EaseMyTrip, Uber, Croma)
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| International Spends | 4 Reward Points per ₹100 spent internationally (1 RP = ₹0.25) | No Cap | Standard terms apply |
| Domestic Retail Spends | 2 Reward Points per ₹100 spent domestically | No Cap | Standard terms apply |
| Utilities & Insurance | 1 Reward Point per ₹100 spent | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| International Spends | ₹6,000 | 4 Reward Points per ₹100 spent internationally (1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Domestic Retail Spends | ₹18,000 | 2 Reward Points per ₹100 spent domestically | — | None | Calculating... | Under cap |
| Utilities & Insurance | ₹6,000 | 1 Reward Point per ₹100 spent | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹3,500
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Earn 4,000 bonus Reward Points (worth Rs 1,000) on spending Rs 4,00,000 in an anniversary year.
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Rewards Accrual: 4 ICICI Reward Points per ₹100 spent on domestic retail transactions (1.00% return); 8 ICICI Reward Points per ₹100 on international retail transactions (2.00% return); 1 ICICI Reward Point per ₹100 on utilities and insurance categories (0.25% return). Point Valuation: 1 ICICI Reward Point = ₹0.25. Points redeemable for merchant vouchers, flights, or goods on the ICICI Rewards portal. ₹99 + GST redemption fee applies. Entertainment Offer: Buy 1 Get 1 free movie ticket up to ₹500 per ticket, twice a month on BookMyShow (up to ₹1,000 monthly savings or ₹12,000 annually). Airport Lounge & Spa: 4 complimentary domestic airport lounge visits per calendar quarter (up to 16 visits per year), subject to spending ₹75,000 or more in the preceding calendar quarter. 2 complimentary international airport lounge visits per calendar year via DreamFolks. 2 complimentary domestic airport spa sessions per year via DreamFolks. Fee & Waiver: Joining fee ₹6,500 + GST (welcome vouchers worth ₹9,000+ from Tata CLiQ, EaseMyTrip, Croma, Urban Ladder); annual renewal fee ₹3,500 + GST waived on cumulative retail spends of ₹6,00,000 in the preceding anniversary year. Golf & Surcharge: Up to 4 complimentary golf rounds/lessons per calendar month (1 round per ₹50,000 eligible spend). 1% fuel surcharge waiver up to ₹4,000 at HPCL petrol pumps swiped on ICICI merchant POS machines.
Evaluate whether this card's perks and waiver threshold justify its ₹3,500 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding ICICI Bank Sapphiro Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official ICICI Bank portal with paperless verification.
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Forex markup: 2% Low Forex
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