ICICI Bank Sapphiro
ICICI Bank · Checked 2026-10-09
ICICI Bank Sapphiro is a paid card focused on shopping rewards, travel benefits and airport lounge access, charging ₹3,500 annually before GST.
CardIQ editorial view
Our take
ICICI Bank Sapphiro is a paid card focused on shopping rewards, travel benefits and airport lounge access, charging ₹3,500 annually before GST.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise travel benefits.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 2 points per ₹100 domestic and 4 per ₹100 international eligible spend.
- Domestic lounge access requires ₹75,000 spend in the preceding quarter.
Trade-offs to understand
- Domestic lounge access requires ₹75,000 spend in the preceding quarter.
- Movie offers also require qualifying previous-quarter spend and have monthly limits.
- Joining fee differs from renewal fee; reward exclusions apply.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 2 points per ₹100 domestic and 4 per ₹100 international eligible spend valuable enough to clear the fee. Factor in this condition: Domestic lounge access requires ₹75,000 spend in the preceding quarter.
Compare before deciding
- Axis Bank SELECT — A lower-fee way to compare similar strengths in shopping rewards and reward points.
- AU Vetta — A lower-fee way to compare similar strengths in shopping rewards and reward points.
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Benefits, limits and conditions
- Domestic lounge access requires ₹75,000 spend in the preceding quarter.
- Movie offers also require qualifying previous-quarter spend and have monthly limits.
- Joining fee differs from renewal fee; reward exclusions apply.