Travel · Mastercard / American Express (dual variant available)
Sapphiro Credit Card
By ICICI · Mastercard / American Express (dual variant available)
₹3,500
+ GST
Annual Fee
₹6,500
+ GST
Joining Fee
up to 6%
Best Rate
The Verdict
ICICI's premium travel & lifestyle card. January 2026 devaluation: BookMyShow now requires ₹25K quarterly spend, transportation rewards capped at ₹20K/month, new gaming fee (2%), wallet load fee (1%),...
Best Suited For
- Travel & lifestyle enthusiasts — ₹14.5K+ welcome vouchers cover the joining fee 2x over
- Movie buffs — BookMyShow BOGO twice/month (up to ₹12K/year value)
- Frequent domestic flyers — 4 lounge visits/quarter (spend-gated at ₹75K)
- Golfers — up to 4 free rounds/month
- High spenders wanting milestone RP up to ₹5K/year
- Users wanting highest air accident cover (₹3Cr) in our collection
Welcome & Onboarding
Total Value
Vouchers worth over ₹13,000 (actual ~₹14,595)
Airport Lounge Access
Domestic
4 complimentary visits per calendar quarter (16/year potential)
International
2 complimentary visits per year
Reward Rates
IShop Hotels (12X) | 6% |
IShop Flights/Vouchers (6X) | 3% |
International Spends | 1% |
Base Spends | 0.5% |
Utility & Insurance | 0.3% |
Milestone Rewards
₹4,00,000 in anniversary year
4,000 bonus Reward Points (₹1,000)
Every additional ₹1,00,000 beyond ₹4L
2,000 bonus Reward Points (₹500) per ₹1L
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