Last updated: |Data verified from official bank sources
₹4K
Annual Fee
2%
Reward Rate
3.5%
Forex Markup
4/quarter
Domestic Lounge
2/year via Priority Pass
Intl Lounge
Best for: Premium lifestyle spenders
Fees & Charges
Joining Fee₹7K
Annual Fee₹4K
Fee WaiverSpend ₹6L annually
Forex Markup3.5%
Rewards
TypePoints
Base Rate2 pts/₹100
Effective Return2%
Lounge Access
Domestic4/quarter
International2/year via Priority Pass
Eligibility
Minimum Income₹18.0L/year
Available on: Visa, Mastercard
Frequently Asked Questions
What is the annual fee for ICICI Sapphiro?▼
ICICI Sapphiro has an annual fee of ₹3500. Spend ₹6L annually
What rewards does ICICI Sapphiro offer?▼
ICICI Sapphiro offers 2 pts/₹100 on all spends, with an effective value of 0.5%.
Does ICICI Sapphiro have lounge access?▼
Yes, ICICI Sapphiro offers 4/quarter domestic lounge visits and 2/year via Priority Pass international lounge visits per quarter.
What is the minimum income required for ICICI Sapphiro?▼
The minimum income requirement for ICICI Sapphiro is ₹18.0 lakhs per annum.
Information sourced from ICICI Bank official website. Last verified: February 2026.
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PlasticMoney Research Team
Personal finance experts analyzing credit cards since 2023