Is ICICI Bank Sapphiro Credit Card good for travel?

ICICI Bank Sapphiro Credit Card is a premium card from ICICI. It is not primarily a travel card, but may offer some travel benefits.

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ICICI Bank Sapphiro Credit Card

Q: What is the annual fee of ICICI Bank Sapphiro Credit Card?

The annual fee for ICICI Bank Sapphiro Credit Card is Rs.3500 + GST.

Q: How to apply for ICICI Bank Sapphiro Credit Card?

You can apply for ICICI Bank Sapphiro Credit Card online through ICICI's website or through CreditIQ's unbiased apply link. Eligibility typically requires a credit score of 750+ and a minimum income as per bank criteria.

Honest review — No affiliate bias — Updated May 2026

CreditIQ Score

8.2

out of 10

Rs. 3,500

Annual Fee

Rs. 6,500

Joining Fee

Visa/Mastercard

Network

premium

CreditIQ Verdict

The ICICI Bank Sapphiro Credit Card is a premium credit card from ICICI with an annual fee of Rs.3,500. The fee is justified if you maximise the card benefits. Best suited for users who spend regularly on premium categories and want to earn meaningful rewards.

Fees & Charges

Annual FeeRs. 3,500 + GST

Joining FeeRs. 6,500 + GST

Interest Rate42% per annum (3.33% per month)

Forex Markup3.5% on international transactions

Cash Advance2.5% of amount (min Rs. 500)

Late PaymentRs. 0 – Rs. 1,300 (based on outstanding)

Who Should Apply?

Good fit if you...

+ Spend on premium regularly

+ Spend Rs.14,000+ per month

+ Have a good credit score (750+)

+ Earn Rs.1.2L+ annually

Skip if you...

- Travel internationally often (high forex markup)

- Carry a balance month-to-month

- Are a first-time credit card user

- Cannot meet annual spend threshold

Frequently Asked Questions

What is the annual fee of ICICI Bank Sapphiro Credit Card?

The annual fee is Rs.3,500 + GST. It is waived if you meet the annual spend threshold.

What is the reward rate on ICICI Bank Sapphiro Credit Card?

ICICI Bank Sapphiro Credit Card offers 2. Check the benefits section above for category-specific accelerators.

How to apply for ICICI Bank Sapphiro Credit Card?

You can apply online through ICICI's website. Eligibility requires a credit score of 750+ and income as per bank criteria. Click the Apply button on this page for a direct, unbiased apply link.

Applying via CreditIQ

Zero affiliate bias. We show all cards equally — ranked by value, not commission.

Apply Now Compare with other cards

Quick facts

Annual feeRs.3,500

NetworkVisa/Mastercard

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