ICICI BankVisaPremium

Sapphiro credit card

Premium dual card with 4 lounge visits a quarter, golf and ₹9,000 welcome vouchers.

Personal score36/100● Weak fit

Recurring net savings−₹2,317/yrafter fee, GST and caps · bills paid in full

First-year value₹2,243incl. ₹8,100 welcome, ₹7,670 joining fee

Effective savings rate-0.7%on ₹3,26,640 card spend · 6% = full marks

Annual fee (incl. GST)You pay ₹4,130waiver at ₹6,00,000 spend

Lounge access✈16 dom🌏8 intlyou can use 2 of your visits

Personalise Official page ↗

Source: ICICI Bank – Sapphiro product page · last reviewed 2026-09-12

Standard profile

Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail

₹1,453/yrBase rate 0.5% on other spends

−₹4,130Fee you pay

2/2lounge visits covered

1/1lifestyle perks matched

₹36,000earns nothing (fuel)

! You pay the ₹4,130 annual fee (incl. GST) – waiver needs ₹6,00,000 spend.

Where the money comes from

−₹2,317/yr · -0.7%

Base rate 0.5% on other spendson ₹2,90,640₹1,453

Excluded categories (no rewards)on ₹36,000₹0

Fuel surcharge waiver₹360

Renewal fee incl. GSTyou pay it−₹4,130

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How −₹2,317/yr is calculated: Sapphiro
+ Reward value on your spendat ₹0.25/ICICI Reward Points realistic value: ₹1,453
+ Fuel surcharge waiver1% up to ₹250/month: ₹360
− Annual fee incl. 18% GSTcharged every year: −₹4,130
= Recurring net savings: −₹2,317/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards: ₹3,26,640
= Effective savings rate: -0.7%

How the score of 36 is built

weights total 100% · methodology

Net savings rate0/100 × 55%0.0

Usable lounge access100/100 × 15%15.0

Redemption flexibility60/100 × 10%6.0

Lifestyle fit100/100 × 10%10.0

Simplicity60/100 × 5%3.0

Fee safety33/100 × 5%1.6

Airport lounges with this card

Open Lounge Finder →

42airports in India

64lounges you can enter

4 per quarterdomestic · needs ₹75,000 spend per quarter

2 per quarterinternational

How you get in: issuer programme (bank / operator app) · Priority Pass. Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.

DEL Delhi 6 lounges

✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
🌏T3 Encalm Privé (T3 International) Encalm · via Priority Pass verified
🌏T3 Plaza Premium Lounge (T3 International) Plaza Premium · via Priority Pass verified
✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified

HYD Hyderabad 4 lounges

✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
🌏Main Plaza Premium Lounge (International) Plaza Premium · via Priority Pass verified
🌏Main Encalm Privé (International) Encalm · via Priority Pass check at desk

BOM Mumbai 4 lounges

✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
🌏T2 Adani Lounge (T2 International) Adani Airports · via Priority Pass verified
✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified

BLR Bengaluru 3 lounges

✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
🌏T2 080 International Lounge BIAL · via Priority Pass verified
✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified

MAA Chennai 3 lounges

✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified

AMD Ahmedabad 2 lounges

✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
🌏T2 Adani Lounge (International) Adani Airports · via Priority Pass verified

ATQ Amritsar 2 lounges

✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
🌏Main Bird Lounge (International) Bird Group · via Priority Pass check at desk

GOX Goa (Mopa) 2 lounges

✈Main Mopa Airport Lounge (Domestic) GMR · via issuer programme (bank / operator app) check at desk
🌏Main Mopa Airport Lounge (International) GMR · via Priority Pass check at desk

COK Kochi 2 lounges

✈T1 Earth Lounge (Domestic) CIAL · via issuer programme (bank / operator app) verified
🌏T3 Earth Lounge (International) CIAL · via Priority Pass verified

CCU Kolkata 2 lounges

✈T2 Travel Club Lounge (Domestic) Travel Food Services · via issuer programme (bank / operator app) verified
🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified

LKO Lucknow 2 lounges

✈T3 Adani Lounge (Lucknow) Adani Airports · via issuer programme (bank / operator app) verified
🌏T3 Adani Lounge (Lucknow International) Adani Airports · via Priority Pass check at desk

TRV Thiruvananthapuram 2 lounges

✈T2 Adani Lounge (Thiruvananthapuram Domestic) Adani Airports · via issuer programme (bank / operator app) verified
🌏T2 Adani Lounge (Thiruvananthapuram International) Adani Airports · via Priority Pass check at desk

+ 30 more airports in the Lounge Finder.

What changed on this card

1 Jul 2025DevaluationICICI Bank
ICICI Bank: lounge access only after ₹75,000 spend in the previous quarter
From 1 July 2025 most ICICI credit cards give complimentary domestic lounge access only if the cardholder spent ₹75,000 in the previous calendar quarter (for July–September, spend between 26 March and 25 June is counted). Emeralde, Emeralde Private, Emeralde Private Metal, Diamant, Emirates Emeralde and Times Black keep unconditional access.
Cards: Coral, Rubyx, Sapphiro · Source: Finology – New ICICI credit card lounge access rules effective July 2025 · verified 2026-09-19

All credit card changes →

Card facts

💳 Base earn0.5%value on eligible spend

⚡ Accelerated1% 4 RP/₹100 on international…

🚫 No rewards onfuelrent

🏷️ Fees₹4,130/yr incl. GSTwaived on ₹6,00,000 spend · joining ₹6,500

🎁 Welcome (year 1)≈ ₹8,100₹9,000 worth of vouchers

🏁 Milestonesnone

✈️ Lounge✈4/qtr dom🌏2/qtr intlneeds ₹75,000/quarter · 4 domestic + 2 international per quarter on ₹75k prior-quarter spend

🌏 Forex markup3.5%+ GST on the markup

🔁 Redemption₹0.25/ICICI Reward Points ★★★☆☆1 RP = ₹0.25.

🧩 Simplicity★★★☆☆a few caps to track

🎯 Lifestylefuel waivermoviesgolfconciergeinsurance coverBookMyShow ₹500 off twice a month · Unlimited golf on spend

🪪 EligibilityIncome ₹10L+/yr

At a glance

24 lounge visits a year
Big movie discounts
Large welcome pack

Only 0.5% base
High joining fee
Waiver needs ₹6L

Compare Sapphiro with

ICICI Bank Rubyx vs ICICI Bank Sapphiro

Community Q&A on the Sapphiro

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the ICICI Bank Sapphiro?

Joining fee ₹6,500 and renewal fee ₹3,500, plus 18% GST (₹4,130 a year). The renewal fee is waived if you spend ₹6,00,000 in the card year.

Does the Sapphiro give airport lounge access?

16 domestic + 8 international/yr. 4 domestic + 2 international per quarter on ₹75k prior-quarter spend. Access needs ₹75,000 spend per quarter.

How much can I save with the Sapphiro?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is −₹2,317 a year, an effective savings rate of -0.7% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Sapphiro's reward exclusions and caps?

No rewards on fuel, rent. No monthly caps on the main earn rates.

Sources

ICICI Bank – Sapphiro product page

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: Sapphiro lounge access by airport · all ICICI Bank cards · change log.