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🏛️ ICICI Bank

ICICI Bank Sapphiro Credit Card

4.1 / 5
💳 Visa💳 Mastercard💳 Amex
Best for:✨ Movie BOGO offers✨ Dual card variant✨ Airport lounge access
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ICICI BankVisa

ICICI Bank Sapphiro Credit Card

ICICI Reward Points

Joining / Annual Fee

₹3,500

Waiver: Spend ₹6L in a year for annual fee waiver

Reward Rate

4 PAYBACK/ICICI Reward Points per ₹100 on intl spends; 2 RP per ₹100 domestic

ICICI Reward Points

Lounge Access

16 visits/year (4 per quarter across Visa/Mastercard/Amex variants)

Intl: 2 visits/year via DreamFolks pass

Forex Markup Fee

3.5%

Standard markup

🎁

Welcome Bonus & Activation Offer

Vouchers worth ₹10,000+ (EaseMyTrip, Uber, Shoppers Stop) on fee payment

💡

The Loot Verdict

Executive summary for savvy cardholders

👍 Good Choice

🎯 Ideal For

Users seeking max value in Movie BOGO offers, Dual card variant, Airport lounge access.

⚡ Value Calculation

Annual Fee: ₹3,500. Easily recovered if annual spends exceed fee waiver benchmarks.

🧮

Interactive Net-Value & Cashback Calculator

Tailor your exact spend categories to calculate your true net annual profit and milestone rewards.

🔥 Up to 2.5% Returns
₹/ month
Presets:
Select Your Spend Profile:
Fee Waiver Goal: ₹6,00,000/yr60% achieved
Gross Rewards & Milestones

+₹9,000/yr

₹750/mo (Points + Milestone Vouchers)

Net Fee Paid

₹3,500

Spend ₹6L in a year for annual fee waiver

Net Annual Profit

₹5,500

🔥 1.5% net return on your spend

⚖️ Pros & Cons

✓

What We Like

  • ✓Buy 1 Get 1 Free movie ticket on BookMyShow (up to ₹500 discount twice a month)
  • ✓Dual card issuing (Amex + Mastercard variants sharing 1 single credit limit)
  • ✓Generous welcome vouchers worth ₹10,000+ offsetting the initial fee
✕

Things to Keep in Mind

  • ✕High ₹3,500 annual fee with ₹6L waiver threshold
  • ✕Base reward points value is modest (₹0.25 per point)

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