ICICI Bank Sapphiro Credit Card
Designed for those who love to indulge in travel and lifestyle experiences.
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.50% travel · 0.50% dining · 0.50% base.
After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.
vs Kotak White Credit Card
At ₹50,000/month with 15% travel and 10% dining.
Tools for ICICI Bank Sapphiro Credit Card holders
Frequently asked
Is the ICICI Bank Sapphiro Credit Card worth the ₹3,500 fee?
It depends on your spend. The ICICI Bank Sapphiro Credit Card earns 0.5% base reward and waives the annual fee at ₹6,00,000 of yearly spend. Use the break-even calculator above to see your specific number.
What is the eligibility for ICICI Bank Sapphiro Credit Card?
ICICI typically requires a minimum income of ₹75,000/year for the ICICI Bank Sapphiro Credit Card.
What is the forex markup on ICICI Bank Sapphiro Credit Card?
ICICI Bank Sapphiro Credit Card charges 3.5% forex markup on international transactions.
Reward rates and fees are sourced from ICICI's product page and may change. Always confirm with the card issuer before applying.