CreditIQ Verdict
The ICICI Bank Sapphiro Credit Card is a premium credit card from ICICI with an annual fee of Rs.3,500. The fee is justified if you maximise the card benefits. Best suited for users who spend regularly on premium categories and want to earn meaningful rewards.
Fees & Charges
Annual FeeRs. 3,500 + GST
Joining FeeRs. 6,500 + GST
Interest Rate42% per annum (3.33% per month)
Forex Markup3.5% on international transactions
Cash Advance2.5% of amount (min Rs. 500)
Late PaymentRs. 0 - Rs. 1,300 (based on outstanding)
What the community says
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HDFC Swiggy Black Credit Card offers 10% direct cashback on food, groceries, and dining up to ₹15,000 monthly as a simpler alternative to points-based rewards following recent Amex and ICICI devaluations.
Swiggy spends just got a LOT easier to optimize 👇
With Amex devaluations + ICICI removing accelerated rewards on Amazon & Swiggy vouchers…
...
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Business Owner Drowning in Debt: Consolidation Over Multiple Products
Retailer accumulated 15+ lakhs debt across personal loans and credit cards for business expansion, with monthly EMIs consuming most income. ...
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Air India's May 2026 bonus conversion offer provides up to 50% bonus points when transferring from major Indian bank credit cards, with tiered rewards peaking at conversions above 1 lakh points.
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The offer runs all of May 2026 - here’s the quick breakdown:
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Frequently Asked Questions
What is the annual fee of ICICI Bank Sapphiro Credit Card?
The annual fee is Rs.3,500 + GST. It is waived if you meet the annual spend threshold.
What is the reward rate on ICICI Bank Sapphiro Credit Card?
ICICI Bank Sapphiro Credit Card offers 2. Check the benefits section above for category-specific accelerators.
How to apply for ICICI Bank Sapphiro Credit Card?
You can apply online through ICICI's website. Eligibility requires a credit score of 750+ and income as per bank criteria. Click the Apply button on this page for a direct, unbiased apply link.