1. Home
  3. Card Listing

  5. Card Details

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

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

Fuel

Cash Advances

ATM Withdrawals

Insurance Payments

Utility Bills

For Spends Waiver

Rent

Government spends

Education Payments

Fuel

Cash Advances

ATM Withdrawals

Insurance Payments

Utility Bills

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