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ICICI Bank · Visa/Mastercard · हिन्दी

ICICI Bank Sapphiro Credit Card: full review

The ICICI Sapphiro hits the sweet spot for frequent domestic travellers who want unlimited lounge access without paying premium card fees. The dining rewards and movie benefits add solid everyday value.

Apply now ↗Annual fee: ₹3,500 + taxes
Last updated: August 2026 · Current terms verified
ICICI BANK
VISA
)))
SAPPHIRO
ASHOK KUMAR
12/28
₹3,500 + taxes (waived on ₹4L spend)Annual fee
4 reward points per ₹100; 2X on international and diningReward structure
4 international + unlimited domesticLounge access

Key benefits of the ICICI Bank Sapphiro Credit Card

Unlimited domestic lounge access4 international lounge visits/year2X points on dining and internationalMovie ticket discounts monthlyGolf programme, 2 rounds/year
Apply now ↗ Min. income: ₹9L+ per year · Credit score: 750+
Pros and cons
Pros
✓ Unlimited domestic lounge, rare at this fee
✓ Strong dining rewards
✓ Movie benefits add practical value
✓ Decent international lounge access
Cons
✗ High forex markup for international use
✗ Reward points redemption complex
✗ Higher income requirement
Quick facts
Issuer ICICI Bank
Network Visa/Mastercard
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹3,500 + taxes (waived on ₹4L spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹3,500
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 international + unlimited domestic
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹9L+ per year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+
SourceICICI Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for ICICI Bank Sapphiro Credit Card is ₹3,500 + taxes (waived on ₹4L spend). The joining fee is ₹3,500.
The main benefits of the ICICI Bank Sapphiro Credit Card are: Unlimited domestic lounge access; 4 international lounge visits/year; 2X points on dining and international; Movie ticket discounts monthly; Golf programme, 2 rounds/year.
4 reward points per ₹100; 2X on international and dining
ICICI Bank Sapphiro Credit Card is best for Mid-premium rewards and lounge access. The ICICI Sapphiro hits the sweet spot for frequent domestic travellers who want unlimited lounge access without paying premium card fees. The dining rewards and movie benefits add solid everyday value.
The minimum income requirement for ICICI Bank Sapphiro Credit Card is ₹9L+ per year. A minimum credit score of 750+ is also recommended.
Yes, ICICI Bank Sapphiro Credit Card offers 4 international + unlimited domestic.
ICICI Bank Sapphiro Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Travel Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Credit Cards for Salaried Employees →Best Premium Credit Cards →
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ICICI Bank Sapphiro₹3,500 + taxes
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