Premium
ICICI Sapphiro
ICICI 7.1
CardTrail Score
Very Good
out of 10
Annual Fee
₹3,500
Spend ₹6L/year
Forex Markup
3.5%
Reward Rate
0.5%
Up to 2%
Lounge Access
4
domestic | 2 intl
About This Card
ICICI Sapphiro stands out with its low 1.5% forex markup — one of the lowest among Indian premium cards. Unlimited domestic lounges and 6 international visits round out the travel package. The weak spot is ICICI's Payback reward ecosystem, which lags behind HDFC's SmartBuy.
Pros & Cons
Pros
- 1.5% forex — excellent for international use
- Unlimited domestic lounge access
- Solid international lounge allocation
- 2X on dining and travel categories
Cons
- Payback points are hard to redeem well
- ₹6,500 fee, ₹6L waiver threshold
- Reward rate lower than HDFC equivalents
- ICICI's reward ecosystem is weaker
Fee Details
Annual Fee
₹3,500
Joining Fee
₹6,500
Fee Waiver Condition
Spend ₹6L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
0.5%
Max Rate
2%
Currency
Payback Points
Welcome Bonus
Vouchers worth Rs.13,000+
Lounge Access
Domestic Lounges
4
per year
International Lounges
2
per year
Spend Gate Required
You must spend ₹75,000 per quarter to activate lounge access.
Key Highlights
- + 1.5% forex markup — among the lowest
- + Unlimited domestic lounges
- + 6 international lounges/year
- + 2X on dining and travel
Compare With...
See how ICICI Sapphiro stacks up against top alternatives
Want the Full Picture?
Compare the ICICI Sapphiro side-by-side with any card in our database. Use our comparison tool to see which card truly fits your spending pattern.
CardTrail is an independent research platform. Our ratings are not influenced by commercial relationships.
Quick Summary
Best For
travel forex
Annual Fee ₹3,500
Base Reward 0.5%
Max Reward 2%
Forex Markup 3.5%
Network Visa Infinite
Min Income ₹10L+
CardTrail Score
Best For
travel forex premium
Own the ICICI Sapphiro?
Get notified when benefits change, fees are revised, or a better alternative launches. One email, only when it matters.
Related Cards
View all cards
Super Premium
ICICI Emeralde
ICICI
7.6
Score
Fee
₹12,000
Reward
1.5%
Forex
1.5%
View full review
Cashback
ICICI Amazon Pay Credit Card
ICICI
8.3
Score
Fee
Free
Reward
1%
Forex
1.99%
View full review
Premium
Adani One ICICI Bank Signature
ICICI
8.8
Score
Fee
₹5,000
Reward
1.5%
Forex
3.5%
View full review
Travel
ICICI MakeMyTrip Credit Card
ICICI
7.3
Score
Fee
₹999
Reward
1%
Forex
1%
View full review
Fuel
ICICI HPCL Super Saver Credit Card
ICICI
6.4
Score
Fee
₹500
Reward
0.5%
Forex
3.5%
View full review