ICICI Sapphiro

ICICI Sapphiro is a super-premium credit card from ICICI Bank, positioned between the Coral (mid-tier) and Emeralde (ultra-premium) cards. It targets professionals with Rs 75,000+ monthly income who value entertainment, golf, and travel benefits.

The card's standout features include generous welcome vouchers, quarterly milestone-based lounge access, and 4 complimentary golf rounds per month.

Key Benefits:

• Welcome Vouchers: Rs 13,000+ in vouchers from Tata CLiQ, EaseMyTrip, EazyDiner, Da Milano, Croma
• Lounge Access: Up to 16 domestic visits/year (4 per quarter with Rs 75K spend) + 2 international via Priority Pass
• Movie Offers: Buy 1 Get 1 on BookMyShow (Rs 500 off second ticket, twice per month)
• Golf: 4 complimentary rounds or lessons per month
• Dining: 15% discount at select restaurants
• Insurance: Rs 3 Cr air accident cover
• Milestone Rewards: Up to 20,000 bonus points per year

Welcome Benefits (on joining fee payment):

• Tata CLiQ: Rs 3,000 voucher
• EaseMyTrip: Rs 4,000 (4 vouchers of Rs 1,000 each)
• EazyDiner Prime: Rs 1,095 (3 months membership)
• Da Milano: Rs 5,000 voucher
• Croma: Rs 1,500 (3 vouchers of Rs 500 each)

Milestone Rewards:

• 4,000 reward points on Rs 4 lakh annual spend
• 2,000 points for each additional Rs 1 lakh spent
• Maximum 20,000 points per anniversary year (worth Rs 5,000)

Domestic Lounge Access:

Up to 4 complimentary visits per quarter (16 per year) via DreamFolks. Requires minimum spend of Rs 75,000 in the previous quarter to unlock the benefit.

International Lounge Access:

2 complimentary visits per calendar year through Priority Pass (cards issued after Nov 15, 2024) or DreamFolks (older cards). No minimum spend requirement for international lounges.

Reward Points Earning:

• Domestic Retail: 2 points per Rs 100
• International: 4 points per Rs 100
• Utilities/Insurance: 1 point per Rs 100

Point Value: 1 reward point = Rs 0.25

Redemption: Flights, hotels, gift vouchers, or products through ICICI rewards portal.

Fees:

• Joining Fee: Rs 6,500 + GST
• Annual Fee: Rs 3,500 + GST
• Fee Waiver: Spend Rs 6 lakh to waive next year fee

Charges:

• Interest Rate: 3.4% per month (40.8% per annum)
• Forex Markup: 3.5%
• Cash Advance: 2.5% or Rs 500 (whichever is lower)

Age: 21-65 years

Income Requirements:

• Salaried: Rs 75,000 per month minimum
• Self-Employed: Rs 10 lakh per annum

Other Requirements:

• Good credit score
• Must be an Indian resident

For Salaried:

• PAN Card
• Aadhaar Card
• Latest 3 months salary slips
• Bank statement (3 months)

For Self-Employed:

• PAN Card
• Address Proof
• ITR for 2 years
• Business proof