Emirates Sapphiro ICICI Bank Credit Card credit card
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Emirates Sapphiro ICICI Bank Credit Card

ICICI logo ICICI
7.7
CardTrail Score
Very Good
out of 10
Net Value
10.0
Accessibility
3.5
Feature Depth
6.0
Bank Trust
8.5
How we score →
Annual Fee
₹5,000
Forex Markup
3.5%
Reward Rate
1%
Up to 2%
Lounge Access
8
domestic | 2 intl

About This Card

The Emirates Sapphiro ICICI Bank Credit Card offers 2% Skywards Miles on most categories with Silver Tier membership included. Lounge access requires quarterly spend milestones. At Rs 5,000/year with no waiver, it's for committed Emirates travellers who value mile earning over forex savings.

Pros & Cons

Pros

  • Skywards Silver Tier membership included
  • Decent lounge access (domestic + international)
  • 2% miles on dining, travel, entertainment
  • BookMyShow BOGO offers

Cons

  • Rs 5,000 annual fee with no waiver option
  • Domestic lounge requires Rs 75K quarterly spend gate
  • Silver Tier renewal requires Rs 5L annual spend
  • 3.5% forex markup despite being a travel card

Fee Details

Annual Fee
₹5,000
Joining Fee
₹5,000
Fee Waiver Condition
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes

Reward Structure

Base Rate
1%
Max Rate
2%
Currency
Skywards Miles
Welcome Bonus
5,000 Skywards Miles + Skywards Silver Tier membership

Lounge Access

Domestic Lounges
8
per quarter
International Lounges
2
per quarter
Spend Gate Required
You must spend ₹75,000 per quarter to activate lounge access.

Key Highlights

  • Up to 2 Skywards Miles per Rs 100 on most categories
  • 5,000 Skywards Miles + Silver Tier on joining
  • 2 domestic lounge visits per quarter (on Rs 75K quarterly spend)
  • 2 international lounge visits per year
  • Buy 1 Get 1 on BookMyShow (up to Rs 500 off, twice/month)

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Active Offers (1)

All offers
Offer 25d left

Rs 2,000 off on MakeMyTrip flights

Use code ICICIFLY for Rs 2,000 off domestic flights above Rs 8,000. International: Rs 5,000 off above Rs 30,000.

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Quick Summary

Best For
travel emirates
Annual Fee ₹5,000
Base Reward 1%
Max Reward 2%
Forex Markup 3.5%
Network Visa
Min Income ₹12L+

CardTrail Score

7.7
/ 10

Scored across rewards, fees, lounge access, forex, and overall value. Methodology.

Best For

travel emirates

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