ICICI Bank Sapphiro Credit Card

Lounge access

• International: 2 complimentary accesses to select international airport lounges per year via Priority Pass membership (available to primary and supplementary cardmembers).
• Domestic: complimentary domestic airport lounge access on spends of ₹75,000 in the previous calendar quarter.
• Sapphiro is eligible for 4 complimentary domestic lounge accesses per quarter (Sapphiro Visa/dual card).
• Lounge access valid up to 3 hours per visit.
• ₹2 authorisation amount on VISA/Mastercard/RuPay and Re. 1 on AMEX.

Verified · ICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in] · 2026-08-03 · source

Forex markup

• Foreign currency transaction mark-up of 3.50%.
• A refund initiated on similar foreign currency transactions also attracts a 3.5% mark-up fee.

Verified · MITC (Most Important Terms & Conditions) – All ICICI Bank Credit Cards incl. Sapphiro – Latest (Jul 2026) [icicibank.com] · 2026-08-03 · source

Charge

• Finance charge on revolving credit and cash advances 3.75% per month (45% p.a.) w.e.f. Nov 15, 2024.
• Cash advance transaction fee 2.5% of advanced amount, min ₹500.
• Card replacement fee ₹100 (₹200 w.e.f. July 1, 2024).
• Dynamic Currency Conversion fee 1% (3.5% w.e.f. Jan 15, 2026).
• Rent Pay 1% (MCC 6513).
• Fuel transaction fee 1% on transactions exceeding ₹10,000 (w.e.f. Nov 15, 2024).
• Utility transaction fee 1% on transactions exceeding ₹50,000 (w.e.f. Nov 15, 2024).
• Transportation transaction fee 1% exceeding ₹50,000 (w.e.f. Jan 15, 2026).
• Education payment fee 1% via third-party apps (w.e.f. Nov 15, 2024).
• Skill-based gaming fee 2% (w.e.f. Jan 15, 2026).
• Wallet load fee 1% on loads of ₹5,000 or more (w.e.f. Jan 15, 2026).
• Over-limit charge 2.5% (min ₹550).
• Fee on cash payment at branches ₹100 (₹150 w.e.f. Jan 15, 2026).
• Late payment charges: none below ₹100.
• ₹100 (₹100-500).
• ₹500 (₹501-1,000).
• ₹600 (₹1,001-5,000).
• ₹750 (₹5,001-10,000).
• ₹900 (₹10,001-25,000).
• ₹1,100 (₹25,001-50,000).
• ₹1,300 (above ₹50,000).
• Return of cheque / Auto-debit return fee 2% of TAD (min ₹500) plus ₹50 + GST.
• Add-on/Supplementary card fee ₹199 annual (w.e.f. Nov 15, 2024).

Verified · MITC (Most Important Terms & Conditions) – All ICICI Bank Credit Cards incl. Sapphiro – Latest (Jul 2026) [icicibank.com] · 2026-08-03 · source

Interest-free period

• Interest-free period could range from 18 to 48 days.
• A 3-day grace period is given after the payment due date.

Verified · MITC (Most Important Terms & Conditions) – All ICICI Bank Credit Cards incl. Sapphiro – Latest (Jul 2026) [icicibank.com] · 2026-08-03 · source

Fuel surcharge waiver

• Fuel surcharge waiver of 1% of transaction value across all pumps, up to a transaction value of ₹4,000.
• Waiver applicable for spends up to ₹50,000 per statement cycle (w.e.f. Nov 15, 2024).

Verified · ICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in] · 2026-08-03 · source

Milestone benefit

• Buy one, get one free movie and event ticket at BookMyShow, up to 2 spend-based tickets per month, second ticket not exceeding ₹500 each.
• Requires spending a minimum of ₹5,000 or above during the same period.
• (Revised w.e.f. Jan 15, 2026: BookMyShow offer available on spending ₹25,000 or more in the preceding quarter.).

Verified · ICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in] · 2026-08-03 · source

Redemption value

• Redemption Handling Fee ₹99 per redemption request (ICICI Bank Rewards Scheme).
• For ICICI Bank Rewards powered scheme: catalogue-based redemptions ₹99 and online/in-store redemptions at Online Partner Brands ₹25.
• Reward points expire 36 months from date of issuance.

Verified · MITC (Most Important Terms & Conditions) – All ICICI Bank Credit Cards incl. Sapphiro – Latest (Jul 2026) [icicibank.com] · 2026-08-03 · source

Reward cap

• Reward points accrued per statement cycle capped for Sapphiro: Utility spend ₹80,000.
• Insurance spend ₹80,000.
• Grocery and Departmental spend ₹40,000 (w.e.f. Nov 15, 2024).
• Transportation transaction capped at ₹20,000 per statement cycle (w.e.f. Feb 01, 2026).

Verified · harvested from product page · 2026-08-03 · source

Reward exclusion

Verified · ICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in] · 2026-08-03 · source

Concierge

24x7 concierge services for business lunches, gifting, last-minute restaurant reservations and other lifestyle needs.

Verified · ICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in] · 2026-08-03 · source

Dining benefit

• EazyDiner 3-month Prime Membership provided as part of welcome benefits.
• Prime deals offer a minimum of 25% discount at Prime-enabled restaurants and 1+1 deals for a minimum of 2 guests dining.

Verified · ICICI Bank Sapphiro Credit Card product page · 2026-08-03 · source

Golf benefit

• One round/lesson of golf every month for every ₹50,000 spent on the card in the previous calendar month, up to a maximum of 4 rounds/lessons per month.
• Access to over 100 golf courses in India and abroad.

Verified · ICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in] · 2026-08-03 · source

Travel benefit

• International travel insurance cover applicable only for international travel when tickets are purchased using the ICICI Bank Sapphiro Credit Card (covers loss of travel documents, checked-in baggage, flight delay, plane hijacking and trans-shipment).
• Insurance applies only when the card is used at least once in the last 60 days.

Verified · ICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in] · 2026-08-03 · source

Insurance

• Comprehensive insurance cover including Personal Accident Insurance (Air) ₹3 crore.
• Credit Shield ₹50,000.
• Baggage insurance up to ₹25,000.
• Loss of travel documents USD 500.
• Loss of checked-in baggage USD 1200.
• Delay in receipt of checked-in baggage USD 300 (in excess of 12 hours).
• Missing flight due to trans-shipment USD 300.
• Plane hijacking USD 250 per hour up to 12 hours.
• Delay in flight USD 250 (in excess of 12 hours).
• Lost Card Liability ₹50,000 (2 days pre-reporting and 7 days post-reporting).
• Benefits apply only if card used at least once in last 60 days.
• Available on Primary Card only.

Verified · ICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in] · 2026-08-03 · source

Eligibility

Supplementary cards can be shared with family members - up to two supplementary cards for parents, spouse, children or siblings above the age of 18 years.

Verified · ICICI Bank Sapphiro Credit Card Membership Kit (Membership Guide + T&C + Rewards Terms) [icici.bank.in] · 2026-08-03 · source