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ICICI Bank Sapphiro Credit Card: rewards, caps and exclusions

The ICICI Bank Sapphiro Credit Card pays about 1% on International spends, and 0.5% on everything else. Below is every rate, cap and exclusion in ICICI Bank's published terms, as we last checked them on 18 July 2026.

Visa, Mastercard, American Express, RuPay₹3,500 a yearPaid in points

What it earns

≈1%International spendsno cap stated
≈0.25%Billsno cap stated
≈0.5%Everything elseno cap stated

≈ marks a rate paid in points, converted at ₹0.25 a point: the lowest redemption value ICICI Bank documents. Some redemptions are worth more; we price at the floor, because that is what the points are worth whichever way you spend them.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

  • Fuel

Milestones

In ICICI Bank's own words:

  • ₹4L spend → 4,000 RP; +2,000 RP per additional ₹1L; capped 20,000 RP/anniversary yr → 4,000 RP
  • ₹4L spend → 4,000 RP; +2,000 RP per additional ₹1L; capped 20,000 RP/anniversary yr → +2,000 RP per ₹1L above ₹4L (max 20,000 RP)

Fees

  • Annual fee: ₹3,500, plus 18% GST
  • Joining fee: ₹6,500
  • Annual fee waived on ₹6,00,000 of spend in a card year
  • Foreign-currency markup: 3.5%

Welcome benefit: Vouchers ₹13,000+ (Tata CLiQ/EaseMyTrip/Da Milano/Croma/EazyDiner).

Eligibility: ₹9,00,000 a year in income, aged 21–65.

Where this comes from

Transcribed from ICICI Bank's own documents and checked against them on 18 July 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with ICICI Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

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Every card we have rules for