आईसीआईसीआई सफायरो क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: ICICI Bank Ltd.
Premium dual-network travel card offering 16 domestic & 2 international lounge visits, golf games, and BookMyShow B1G1 tickets up to ₹500.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
ICICI Sapphiro is the premium tier in the gemstone collection. Issued as dual cards (Visa Infinite + Mastercard World), it is crafted for senior executives and frequent flyers. It features 16 domestic lounge visits, 2 international lounge visits with DreamFolks, 4 golf games per month, and BookMyShow B1G1 tickets up to ₹500.
Welcome voucher bundle worth ₹9,000+ from luxury travel, shopping, and hospitality partners credited within 45 days of paying the joining fee.
4 complimentary domestic airport lounge visits per calendar quarter upon spending ₹35,000 in preceding quarter (up to 16 visits annually). 2 complimentary international airport lounge visits per calendar year via DreamFolks membership. 4 complimentary domestic railway lounge visits per quarter.
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at all petrol pumps across India.
Up to 4 complimentary rounds of golf every month based on qualifying spends. BookMyShow Buy 1 Get 1 free movie ticket discount up to ₹500 twice a month.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried Indian individuals aged 21 to 60 with monthly salary exceeding ₹1,25,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹15,00,000.
न्यूनतम वार्षिक आय आवश्यकता
₹1,25,000/month (Salaried) / ₹15,00,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card (statutory requirement) 2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID 3. Proof of Income: Last 3 months' salary slips with Form 16 OR Last 2 years' audited ITR with computation 4. Passport-size photograph.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Only 2 international lounge visits included annually. Domestic lounge access requires spending ₹35,000 in the prior quarter. Forex markup is 3.50%. Annual fee waiver requires a high threshold of ₹6 Lakhs.
🚀आवेदन के चरण (How to Apply)
Step 1: Check eligibility on icicibank.com/sapphiro or via ICICI NetBanking. Step 2: Enter PAN and mobile number for algorithmic credit evaluation. Step 3: Select ICICI Sapphiro Dual Card lineup. Step 4: Enter corporate email, employer details, and monthly salary. Step 5: Complete online Video KYC session with bank official. Step 6: Premium welcome box with both physical cards dispatched via courier within 3 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on ICICI Sapphiro Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).. In addition, revolving finance charges at 3.50% per month (42.00% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on ICICI Sapphiro Credit Card into EMI?
Yes, ICICI Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on ICICI Sapphiro Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into ICICI Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹0.25 (effective 1.50% on international, 0.75% on domestic retail). Points redeemable for luxury catalog products, vouchers, or statement credit. Please note: Reward points expire 3 years (36 months) from the date of accrual.
What is the interest-free grace period on ICICI Sapphiro Credit Card and how does it work?
The interest-free period on ICICI Sapphiro Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.50% per month (42.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.