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ICICI Emirates Skywards Sapphiro Credit Card

4.2 from 398 Users

All Card USPs

Get 2 Complimentary International Airport Lounge

accesses for the primary cardholder at international airport lounges

Buy 1 Get 1 Movies on BookMyShow With

up to ₹500 off on the second ticket, twice every month

Earn 1.5 Miles Abroad per ₹100

on international spends credited to Emirates Skywards at billing cycle end

Get Joining Miles & Tier With 5,000 Skywards

Miles plus Emirates Skywards Silver tier membership for new cardholders

Best For

Shopping

Travel

Joining/Annual Fees

Joining Fees

₹5,900 ( ₹5000 + GST )

No Joining Fee Offset

Annual Fees

₹5,900 ( ₹5000 + GST )

No Annual Fee Wavier

Eligibility

Age Criteria

21-60 years

Salary Criteria

18 LPA

Credit Rating*

720+

See if you are eligible for this card

Pin Code*

​

Monthly In Hand Income*

​₹
​

Income Type*

Salaried
Self

How to redeem?

Rewards Conversion Rate

1RP = ₹0.15

Redemption Options

  • Emirates Skywards program
  • ishop

To check redemption catalogue

Click Here

All Card Benefits

All Benefits

  • Earn up to 4% cashback on iShop
  • Earn Emirates Skywards Miles on every ₹100 spend: 1.5 Miles (Domestic), 1.5 Miles (International)
  • 5,000 Skywards Miles on annual renewal
  • 5,000 Skywards Miles and complimentary Emirates Skywards Silver Tier Membership
  • 2 complimentary international airport lounge accesses
  • 2 domestic lounge accesses per quarter on minimum spend of ₹75,000 in the preceding calendar quarter
  • Complimentary Priority Pass Membership (access to 1,400+ lounges in 145+ countries)
  • Complimentary DreamFolks Membership (access to 650+ lounges in 100+ countries)
  • Book 1 movie ticket on BookMyShow and get up to ₹500 off on the second ticket, twice every month
  • 1% fuel surcharge waiver on transactions between ₹400–₹4,000

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Rent

Government spends

Education Payments

For Spends Waiver

Rent

Government spends

Education Payments

Bank Fee Structure

StructureDetails
Forex Markups

3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency.
Examples (3.5%):
₹100 → ₹3.5
₹1,000 → ₹35
₹10,000 → ₹350
₹1,00,000 → ₹3,500

3.5%
APR Fees

Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid

3.75%
ATM Withdrawl

2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)

2.5%
Reward Redemption Fees

A redemption handling fee of ₹99 plus GST is charged on catalogue-based reward redemptions

₹99
Link for all T&Cs
Click Here
Railway Surcharge

A surcharge of 1.80% is applied to transactions made for booking railway tickets

1.80%
Rent Payment Fees

A surcharge fee of 1% applies on rental transactions made using the credit card

1%
Cheque Payment Fees

A fee of ₹100 of the payment amount  is levied for cheque return, cheque dishonour, or auto-debit reversal

₹100
Cash Payment Fees

₹150 cash payment fee per deposit

₹150
Late Payment Fees

Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared

Amount Due
₹0-₹100 ₹0
₹100-₹500 ₹100
₹501-₹1,000 ₹500
₹1,001-₹5,000 ₹600
₹5,001-₹10,000 ₹750
₹10,001-₹25,000 ₹900
₹25,001-₹50,000 ₹1100
More than ₹50,000 ₹1300

Apply for this card

TOP USPs

Get 2 Complimentary International Airport Lounge

accesses for the primary cardholder at international airport lounges

Buy 1 Get 1 Movies on BookMyShow With

up to ₹500 off on the second ticket, twice every month

Apply Now