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ICICI · premium tier
ICICI Bank Sapphiro Credit Card
ICICI banking customers wanting premium benefits
Joining fee
₹6.5K
Annual fee
₹3.5K
Base rate
2%
Expert rating
7.3/10
— Real annual value
What's it actually worth for you?
₹50.0K
Gross rewards₹23,650
Fees-₹6,500
Net annual value+₹17,150
Value breakdown
international (4x)+₹420
dining (2x)+₹630
Base rate (2%)+₹9,600
Welcome benefit+₹9,000
Lounge access (8 visits)+₹4,000
Annual fee (waived)+₹0
Joining fee (year 1)₹6,500
— Highlights
- ₹9K welcome vouchers
- Priority Pass lounges
- 4X international
— Redemption paths
Every way to spend your reward points
1
voucher
₹0.35
per point
2
cashback
₹0.25
per point
— Reward rates
Earn by category
international
4X
dining
2X