ICICI Bank
Sapphiro RuPay Credit Card
SimplifyCards take:A good fit if you want a card built for premium, travel, and lounge
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Best for International SpendsBest for
4 Reward Points / ₹100 spent
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Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for premium, travel, and loungeBottom line
It combines complimentary airport lounge access, accelerated rewards on international spends, and milestone rewards
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate |
|---|---|
| International Spends | 4 Reward Points / ₹100 spent |
| Utility & Insurance Spends | 1 Reward Point / ₹100 spent |
| UPI Spends | 2 Reward Points / ₹100 spent |
| Other Spends | 2 Reward Points / ₹100 spent |
Redemption
Statement balanceupto ₹ 0.25 per point
iShop flight/hotelupto ₹ 0.25 per point
iShop rewards catalogueupto ₹ 0.25 per point
Important conditions
1
Domestic lounge16 visits per year
- Complimentary domestic lounge access (4 visits per quarter) requires a minimum spend of ₹75,000 in the previous calendar quarter
2
International lounge2 visits per year
- Complimentary international lounge access (2 visits per calendar year) is provided via Priority Pass or DreamFolks
3
MilestoneEarn 4,000 Reward Points on spending ₹4 Lakhs in an anniversary year
4
Milestone2,000 additional Reward Points for every ₹1 lakh spent beyond ₹4 lakh in an anniversary year, capped at 20,000 points total
5
Fee waiverRenewal fee waived on annual spends of ₹ 6 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- Tata CLiQ voucher worth ₹3,000
- EaseMyTrip vouchers worth ₹4,000 (four vouchers of ₹1,000 each)
- Croma voucher worth ₹1,500
- Uber vouchers worth ₹1,000 (four vouchers of ₹250 each)
Additional benefits
- Buy one movie or event ticket and get up to ₹500 off on the second ticket twice every month on BookMyShow, subject to spending ₹25,000 in the preceding calendar quarter
- Up to 4 complimentary golf rounds every month based on eligible spends
- RuPay network support for UPI linking with reward point earnings
Eligibility
Check this before you apply
Salaried
- Age: 21-65 years
- Minimum net monthly salary: ₹75,000
Self-employed
- Age: 21-65 years
- Minimum annual ITR: ₹9,00,000
Exclusions
Spending that does not earn reward points
- Fuel transactions
- Rent payments
- E-wallet loading transactions
- Government transactions
- EMI transactions
Compare before you decide
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