Emirates ICICI Bank Sapphiro
ICICI Bank · Checked 2026-10-09
Emirates ICICI Bank Sapphiro is a premium card built around travel benefits, flights and airport lounge access, with a ₹5,000 annual fee before GST.
CardIQ editorial view
Our take
Emirates ICICI Bank Sapphiro is a premium card built around travel benefits, flights and airport lounge access, with a ₹5,000 annual fee before GST.
Who it suits
- People who prioritise travel benefits.
- People who prioritise flights.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 1.5 Skywards Miles per ₹100 on eligible domestic and international purchases.
- 2 overseas lounge visits annually and 2 domestic visits quarterly; domestic visits require ₹75,000 prior-quarter spend.
Trade-offs to understand
- 2 overseas lounge visits annually and 2 domestic visits quarterly; domestic visits require ₹75,000 prior-quarter spend.
- The ₹5,000 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
Shortlist it only if you can repeatedly use the premium benefits and comfortably recover the fee. Pay particular attention to this condition: 2 overseas lounge visits annually and 2 domestic visits quarterly; domestic visits require ₹75,000 prior-quarter spend.
Compare before deciding
- Axis Bank ATLAS — A similarly priced alternative for comparing airport lounge access and reward points.
- IndiGo Axis Bank Premium — A similarly priced alternative for comparing airport lounge access and reward points.
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Benefits, limits and conditions
- 2 overseas lounge visits annually and 2 domestic visits quarterly; domestic visits require ₹75,000 prior-quarter spend.
- Skywards Silver renewal requires ₹5 lakh annual spend.
- Points transfer into Emirates Skywards; redemption and tier terms apply.