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ICICI Bank

ICICI Sapphiro

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Annual Fee

₹3,500

Reward Type

Points

Forex

3.5%

Lounge

4 dom · 2 intl

Full Spec Sheet

Normalized · Verified

Fees

Joining Fee₹6,500
Annual Fee₹3,500(waived ≥ ₹6,00,000)
Min Monthly Income₹1,00,000

Rewards

Reward TypePoints
Base Rate1%
Point Value₹0.25/point

Redemption Values

vouchers₹0.25/pt

Travel & Global

Forex Markup3.5%
Domestic Lounge4 visits/yr
Intl. Lounge2 visits/yr
Lounge NetworkDreamfolks
Lounge Spend Req.₹5,000 Quarterly

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

ICICI Rubyx (99%) →IDBI Bank Royale Signature (97%) →Axis Magnus (96%) →ICICI Emeralde Private (96%) →ICICI Coral (96%) →

💡 Fee Waiver Strategy

Often comes LTF under alumni offer for premier colleges.

⚖️ Breakeven Analysis

To recover the ₹3,500 annual fee at the base reward rate of 1%, you need to spend ₹3,50,000 annually.

🎯 Pro Tips

  • ▸Get it only if Lifetime Free.
  • ▸BOGO on BookMyShow is the main benefit.

🏷️ Best For

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