The ICICI Sapphiro Visa has a ₹3,500 annual fee (waived on ₹6 lakh annual spend), earns 2 Reward Points per ₹100, includes 4 airport lounge visits a quarter and charges a 3.5% forex markup.
| Annual fee | ₹3,500 |
|---|---|
| Joining fee | ₹6,500 |
| Annual fee waived | On ₹6 lakh annual spend |
| Base rewards | 2 Reward Points per ₹100 |
| Lounge access | 4 airport lounge visits a quarter |
| Forex markup | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
296 online offers across 192 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- EaseMyTrip: Flat Rs.15000 Discount · till 31 Mar 2027
- Croma: Rs.12000 Discount · till 31 Oct
- ixigo: Get Upto Rs.2500 off · till 31 Oct
- Yatra: Upto Rs.1800 off · till 31 Dec
- Air India: Get additional Rs.1000 off · till 31 Dec
These are ICICI Bank's own offers and Visa network offers, so they apply to every ICICI Bank Visa card, not just this one. All ICICI Bank offers by category.
People Also Asked
More about the ICICI Bank Sapphiro Visa Credit Card
Is the ICICI Bank Sapphiro Visa Credit Card worth it in 2026?
The ICICI Bank Sapphiro Visa Credit Card offers strong rewards with 4 Reward Points per Rs.100 on international spends and 2 Reward Points per Rs.100 on other spends. The Rs.6500 joining fee and Rs.3500 annual fee (waived on Rs.6 lakh spend) make it worthwhile for high spenders who can maximize rewards and lounge benefits.
Who should get the ICICI Bank Sapphiro Visa Credit Card?
This card is ideal for frequent travelers and high spenders who spend on utilities, insurance, and international transactions. Users who can spend Rs.6 lakh annually to waive the fee and value complimentary airport lounge access will benefit most.
How to maximise rewards on the ICICI Bank Sapphiro Visa Credit Card?
To maximize rewards, spend on international transactions to earn 4 Reward Points per Rs.100 and on utilities and insurance for 1 Reward Point per Rs.100. Additionally, aim to spend Rs.6 lakh annually to get the annual fee waived.
Is the ICICI Bank Sapphiro Visa Credit Card good for international travel?
Yes, it offers 4 Reward Points per Rs.100 on international spends and 2 complimentary international airport lounge accesses per year, making it a strong choice for frequent international travelers.