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Do you want to know how to apply for ICICI Sapphiro credit card? This is the complete guide that will show you how to do it step-by-step. ICICI Sapphiro credit card is one of the most popular cards in India, and there are a lot of benefits that come with it. In this article, we will discuss those benefits and also teach you how to apply for the card so that you can start enjoying them yourself!

Important: Because of RBI rules, new Mastercard credit cards have been temporarily stopped until further notice. Standard card services will be provided to existing users. The Visa version of this card will continue to be offered by ICICI Bank.

The ICICI Bank Sapphiro Credit Card is a premium credit card geared toward both domestic and international tourists, with special benefits for users including complimentary Dragon Pass Membership, Visa Lounge Access, golf privileges, and more. Learn about the card’s features, advantages, costs, charges, and requirements in detail.

Also Read: Slice Credit Card Review: Benefits and Disadvantages

Features and Benefits of ICICI Sapphiro Credit Card

Welcome Benefits
With the Visa and Mastercard variants, you may get up to Rs. 9,000 in exclusive travel and shopping gift voucher. With the American Express variant, you’ll get an additional cashback of Rs. 750 on purchases of Rs. 20,000 or more in 60 days after issuance.

Rewards Points Rate
4 Reward Points are given for every Rs. 100 spent on international purchases. 2 Reward Points per Rs. 100 spent on domestic purchases.

Milestone Benefits
Earn 4000 Reward points on spending Rs 4 lakhs in an anniversary year with ICICI Bank Sapphiro Card, and after that, you get 2000 more every time you reach a milestone expenditure of Rs 1 lakh. Every anniversary year, you can earn a maximum of 20,000 Points under the Milestone Reward Program.

Airport Lounge Access
You can relax at more than 450 comfortable and luxurious airport lounges throughout 115 nations across the world as a Dreamfolks Member, regardless of your class or airline you fly with, or whether you’re a member of an airline frequent flyer club.

Through the Dreamfolks membership, you will get 2 free International Airport Lounge visits each year.

With the MasterCard & Amex variants, you’ll get 2 complimentary domestic lounge visits., and With the Visa variant, you’ll get 4 complimentary domestic lounge access.

Travel benefits
As the card comes with Dreamfolks Membership Program, members enjoy complimentary domestic and international airport lounge access as well as spa sessions at select domestic airports.

Travel Insurance Benefits
A flight accident insurance policy worth Rs 3 crore, Credit Shield Protection worth Rs 50,000, and other travel-related Insurance Covers.

Dining & Movie
Buy one and get up to Rs. 500 off on the second ticket, twice every month via BookMyShow. For booking the ticket and further information and specific terms and conditions, please visit here.

Complimentary Golf Benefits
You can enjoy a free Golf Round / Lesson for every Rs. 50,000 retail spend in the previous calendar month, up to a maximum of four rounds each month as an ICICI Bank Sapphiro Credit Cardholder.
Visit to make a booking and create an account with the same email address used with ICICI Bank Credit Cards to book your game.
After the 10th day of the following month, your Golftripz account will show the complimentary round of golf.
In the next 2 months, you’ll be able to play it whenever you want.
Check out your options for tee time slots at leisure and make your preferred booking and keep track of all of your reservations online.
You may also use iAssist or call 1800-26-70731 (toll-free for MTNL/ BSNL lines) or 022-67872016 (standard call charges apply) for assistance with online booking.
Click here to obtain a copy of the up-to-date list of golf courses

Zero Liability Protection
Lost Card liability worth Rs. 50,000 is applicable from 2 days before reporting and up to 7 days after notifying the ICICI Bank of a missing card.

Other Benefits of ICICI Bank Sapphiro Credit Card
Here are some of the additional significant benefits that the card offers-

On fuel transactions at any fuel outlet 1% fuel surcharge will be waived off(Maximum of Rs 250 per billing cycle)
Get 15% off on your dining bills at participating restaurants
ICICI Sapphiro Credit Card Eligibility Criteria
The applicant must be a citizen of India.

The primary cardholder must be at least 23 years old, although the add-on cardholder must be at least 18 years old.

Applicant must be Salaried or Self-employed(Minimum income required for Salaried applicant is Rs. 80,000 per month and minimum income required for Self-Employed applicant is Rs. 83,333 per month)

Required Documents

Proof of Income (Latest 3 months’ salary slip/Form 16/ IT return copy as proof of income)

Proof of Residence (Aadhar Card, Passport, or Utility Bills)

Proof of Identity(Aadhar Card, PAN Card, Driver’s License)

Charges and Fees
Joining Fee of Rs. 6,500
Annual Fee of Rs. 3,500 (waived off if spent more than Rs. 6 lakhs in the previous year)
Interest Rates at 3.4% per month (or 40.8% per annum)
Rewards Redemption Fee of Rs. 99 (plus applicable taxes) per redemption request
Cash Advance Charge of 2.5% of the total transaction amount (minimum Rs. 300)
Foreign Currency Markup Fee of 3.50% of the total transaction value.

How To Get An ICICI Sapphiro credit card?
It is simple to apply for an ICICI Sapphiro credit card, which may be done online or offline. Here’s how to go about it:

To apply for an ICICI Sapphiro credit card online, follow these steps:
Visit the ICICI Bank’s official website.
Click on credit cards in the cards section.
Scroll down to the Sapphiro Credit Card, under the Gemstone cards.
Click the option “Get Card.”
Your screen will display an application form. Fill it out carefully.
Proceed further by submitting all your required documents and completing the process.

To apply for an ICICI Sapphiro credit card offline, follow these steps:
To apply offline, you must go to your nearest branch with all of the required documents as listed above.

Final Thoughts

The ICICI Sapphiro credit card is a great choice for those who want to enjoy the many benefits it has to offer. Be sure to carefully consider all of the factors involved before making your final decision. We hope this guide has been helpful in providing you with the information you need to make an informed decision. Thanks for reading!

Do let us know if you have any other questions by leaving a comment below. We’d be happy to help!

Supratim Debnath

Hi there! I started off by creating small websites as a hobby back in college (which turned out to be pretty useful later on). I then got into hosting gaming tournaments and writing content for the community - which I absolutely loved doing. These days, I'm focusing on my true passion: investing and business. It's been a steep learning curve but it's been extremely rewarding thus far.

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