← Back to cards
ICICI Bank Sapphiro Credit Card
by ICICI · Visa / Mastercard / American Express · Premium · Retail
Fees & charges
Joining fee₹6,500
Annual fee₹3,500
Fee waiverNo fee waiver
Forex markup3.5%
Finance charge3.75% p.m. (45% p.a.)
Cash advance fee2.5% of the advance amount, subject to a minimum of ₹500
Late payment fee
| Less than Rs.100 | None |
| Between Rs.100-Rs.500 | Rs.100 |
| Between Rs.501-Rs.1,000 | Rs.500 |
| Between Rs.1,001-Rs.5,000 | Rs.600 |
| Between Rs.5,001-Rs.10,000 | Rs.750 |
| Between Rs.10,001-Rs.25,000 | Rs.900 |
| Between Rs.25,001-Rs.50,000 | Rs.1,100 |
| More than Rs.50,000 | Rs.1,300 (excluding ICICI Bank Emeralde Private Metal Credit Card) |
Rewards & Lounge access
Rewards4 points per Rs.100 on international spend, 2 on domestic, 1 on utility/insurance spend
Lounge access2 complimentary international lounge visits/year (Priority Pass for post-15-Nov-2024 applicants); 4 domestic lounge visits/quarter on Rs.75,000+ quarterly spend
NetworkVisa / Mastercard / American Express
CategoryPremium
Card typeRetail
Key features
- 4 points per Rs.100 on international spend, 2 on domestic, 1 on utility/insurance spend
- 2 complimentary international lounge visits/year (Priority Pass for post-15-Nov-2024 applicants); 4 domestic lounge visits/quarter on Rs.75,000+ quarterly spend
- Vouchers worth over Rs.13,000 (Tata CliQ, EaseMyTrip, Da Milano, Croma) plus EazyDiner Prime Membership