ICICI Sapphiro Credit Card - Features, Benefits, Fees & Charges

Best For

Online Food Ordering

Dining

Travel

Utility Bills

Joining/Annual Fees

Joining Fees

₹7,670 ( ₹6500 + GST )

N/A

Annual Fees

₹4,130 ( ₹3500 + GST )

600000

Eligibility

Age Criteria

21-65 years

Salary Criteria

9 LPA

Credit Rating*

720+

See if you are eligible for this card

How to redeem?

Rewards Conversion Rate

1 Reward Point = ₹0.25

Redemption Options

Health & Beauty
Travel & Luggage
Shopping Voucher
Home Appliance
Electronics
Fashion & Lifestyle

To check redemption catalogue

All Card Benefits

All Benefits

• Earn 4 reward points per ₹100 spent internationally
• Earn 2 reward points per ₹100 spent domestically
• Earn 1 reward point per ₹100 spent on utilities and insurance.
• Get 4,000 reward points on ₹4 lakh spend & 2,000 for every additional ₹1 lakh spend
• The redemption screenshot/list you gave shows categories like Health & Beauty, Travel & Luggage, Shopping Voucher, Home Appliance, Electronics, Fashion & Lifestyle
• Matches the benefit: “Up to 4 rounds – Get complimentary golf rounds every month

Bank Exclusions

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

For Points / Cashback Earnings

Fuel Spends

EMI Spends

Wallet Loads

Cash Advances

Payment Of Outstanding Balances

Bank Charges & Fees

Rent Payment

Government-related Transactions

Insurance Payments

Education Spends

Jewellery Purchases

Utility Bill Payments

For Spends Waiver

Fuel Spends

EMI Spends

Wallet Loads

Jewellery Purchases

Cash Advances

Payment Of Outstanding Balances

Bank Charges & Fees

Rent Payment

Government-related Transactions

Insurance Payments

Education Spends

Utility Bill Payments

Bank Fee Structure

Structure	Details
Forex Markups 3.5% Forex Markups are levied if you use your card to make payment in any currency other than INR. This fee will be levied if you shop on any ecomerce website which accepts payment in currency other than INR or if you make a payment outside of India using a POS. Below mentioned table gives forex markup for most common spends ₹100 = ₹3.5 ₹1,000 = ₹35 ₹10,000 = ₹350 ₹1,00,000 = ₹3,500	3.5%
APR Fees 3.75% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 45%	3.75%
ATM Withdrawl Interest is charged at 3.75% per month from the date of withdrawal. No interest-free period is applicable on cash withdrawals. Cash advance fee as per MITC is also applicable	3.75%
Reward Redemption Fees	₹99
Link for all T&Cs	Click Here
Railway Surcharge A surcharge of 1.8% 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 (minimum ₹500) is levied for cheque return, cheque dishonour, or auto-debit reversal	₹100
Cash Payment Fees ₹100 cash payment fee per deposit.	₹100

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 - ₹1000	₹500
₹1001 - ₹5000	₹600
₹5001 - ₹10000	₹750
₹10001 - ₹25000	₹900
₹25001 - ₹50000	₹1100
₹50000 and above	₹1300