ICICI Bank Sapphiro Credit Card

ICICI Bank, one of India’s leading financial institutions, offers a range of credit cards catering to different lifestyles and preferences .In today’s dynamic financial landscape, credit cards have become an essential tool for managing finances and enjoying various benefits. Among their impressive lineup, the ICICI Bank Sapphiro Credit Card stands out as a gem that offers a plethora of rewards and exclusive privileges. In this review, we will delve into the features, benefits, and overall value proposition of the ICICI Bank Sapphiro Credit Card.

Key Highlights of ICIC Bank Sapphiro credit card:

Joining Fee	Rs. 6,500
Annual Fee	Rs. 3,500 (exemption for spending more than Rs. 6 lakh the previous year)
Best suited for	Travel and Shopping
Minimum Income Required	Rs. 80,000 per month (For Salaried) Rs. 83,333 per month (For Self-Employed)
Welcome Benefits	On payment of the registration fee, you will receive welcome vouchers for shopping and travel worth Rs 9,000+.

Benefits of ICICI Bank Sapphiro Credit Card:

Welcome Rewards:

• Tata CliQ and Croma vouchers are priced at Rs.3,000 and Rs.1,000, respectively.
• EaseMyTrip and Uber vouchers worth Rs.1,000 and Rs.250, respectively.
• Zomato Pro membership voucher for 12 months worth Rs.800.

PAYBACK Points on card purchases:

• A year’s worth of points is limited at 20,000.
• If card purchases total Rs.4,00,000, the Milestone Rewards Programme offers 4,000 PAYBACK points.
• Following that, transactions worth more than Rs.1,000,000 in an anniversary year will get you 2,000 points.
• A cardholder can earn up to 6 points for every Rs.100 spent.
• If a cardholder uses their card to buy fuel, pay utility bills, or buy insurance, they will receive one point for every Rs.100 spent.

DragonPass membership:

• A cardholder receives a free membership to the Dreamfolks DragonPass.
• The membership includes two complimentary airport lounge visits as well as two spa sessions.

Access to complimentary golf rounds:

• A cardholder can receive up to four complimentary golf rounds or lessons each month.
• The deal will be available through GolfTripz after the 10th of the following month.
• The offer is good for the following two months.
• Fuel fees are waived by 1% for transactions at petrol pumps.

Movie ticket offers:

• If you use the card to buy a movie ticket from BookMyShow, you can earn Rs.500 off another ticket in the same month.
• This deal can be used twice in one month.

Dining concessions:

• A cardholder can receive a 15% discount when dining at chosen places.
• These establishments must participate in the ICICI Bank Culinary Treats Programme.
• ICICI Bank’s i-Assist services assist cardholders in making bookings and referrals for travel, dining, lodging, and other lifestyle amenities.

Protection against card misuse:

• A microchip embedded in the card protects it from fraudulent transactions.
• Each user is assigned a Personal Identification Number (PIN), which must be entered while making card purchases at retail locations.
• For online purchases, the PIN is not required.
  To receive 3D Secure for the card, users must first register their card on the ICICI Bank website.
• Features such as ‘Counterfeit Card Liability’ and ‘Account Takeover Cover’ operate as an additional safeguard against fraudulent credit card use.

Insurance benefits:

• As part of the air accident insurance coverage, one can collect up to Rs.3 crore.
• Insurance is not available to Add-on cardholders.
• It is only valid if the card was used at least 60 days prior to the occurrence.
• To obtain insurance, the card’s outstanding minimum balance must be settled.

You can check more ICICI Bank official website.

Fee’s and Charges of ICICI Bank Sapphiro credit card:

Type of charges	Size of charges
Joining Fee	Rs.6,500 (excluding GST)
Annual Fee	First year: Zero From 2nd year: Rs.3,500 (excluding GST)
Minimum card purchases for annual fee waiver	Rs.6 lakh
Interest charged on cash advances	Annual rate=40.80% Monthly rate=3.40%
Dial-a-draft transaction fee	3% of the draught value amount, with a minimum cost of Rs.300.
Overlimit fee	2.50% of the over-limit amount for which the minimum payment of Rs.500 is required
Cash advance transaction fee	2.5% on the advance amount for a minimum of Rs.300

Redeeming Rewards on ICICI Bank Sapphiro credit card:

• One PAYBACK Point is equivalent to Rs.0.25.
• The points can be exchanged for cash or prizes.
• A cardholder can redeem the points for cash by calling the ICICI credit card customer service number, 080-40146444.
• They will be paid within 7 business days.
• To redeem the points for a specific gift, contact 1860-258-5000. The gift will be delivered in 10 business days.

Eligibility to apply for ICICI Sapphiro credit card:

• The primary cardholder and Add-on cardholder must be 23 and 18 years old, respectively.
• The applicant must be a resident of India.
• A good credit score enhances the likelihood of approval for the card.

Required Documents for ICICI Bank Sapphiro credit card:

• The bank demands both identity and address verification.
• In addition, one must present their Permanent Account Number (PAN) card or Form 16.
• A recent colour passport-size photograph of the applicant must also be included with the application.

Comparison:

ICICI Bank Sapphiro credit card v/s ICICI Emerald credit card:

Basis	ICICI Bank Sapphiro credit card	ICICI Emerald credit card
Fee	Joining Fee Rs 6,500 (plus applicable taxes) Renewal Fee Rs. 3,500 (plus applicable taxes)	The joining fee is Rs. 1,000 (plus taxes) for the monthly plan and Rs. 12,000 (plus applicable taxes) for the annual plan. Renewal fee is Rs. 1,000 (plus applicable taxes) for monthly plans and Rs. 12,000 (plus applicable taxes) for annual plans.
Best Suited For	Travel | Shopping	Movies | Travel | Shopping
Reward Type	Reward Points	Reward Points
Welcome Benefits	With the Visa and Mastercard variations, you can earn exclusive travel and shopping gift vouchers worth more than Rs. 9,000 (from Tata CliQ, EaseMyTrip, Uber, Zomato Pro, Croma) and an extra cashback of Rs. 750 on spending Rs 20,000 within 60 days of issuance.	N/A

ICICI Bank Sapphiro credit card v/s ICICI Rubyx credit card:

Basis	ICICI Bank Sapphiro credit card	ICICI Rubyx credit card
Fee	Joining Fee Rs 6,500 (plus applicable taxes) Renewal Fee Rs. 3,500 (plus applicable taxes)	Joining Fee Rs. 3,000 (plus applicable taxes) Renewal Fee Rs. 2,000 (plus applicable taxes)
Best Suited For	Travel | Shopping	Travel
Reward Type	Reward Points	Reward Points
Welcome Benefits	With the Visa and Mastercard variations, you can earn exclusive travel and shopping gift vouchers worth more than Rs. 9,000 (from Tata CliQ, EaseMyTrip, Uber, Zomato Pro, Croma) and an extra cashback of Rs. 750 on spending Rs 20,000 within 60 days of issuance.	Travel and shopping coupons in excess of Rs. 5,000

Credit Cards Similar to ICICI Bank Sapphiro credit card:

Credit Card	Annual Fee	Key Feature
Air India SBI Signature Credit Card	Rs. 4,999	For every Rs. 100 spent on an Air India ticket, you receive 30 reward points.
Standard Chartered Emirates World Credit Card	Rs. 3,000	Duty-free shopping earns 5% cashback, and every Rs. 150 spent earns 6 Skyward miles.
HDFC Regalia Credit Card	Rs. 2,500	Free Club Vistara Silver Membership and Priority Pass Membership
SBI Elite Credit Card	Rs. 4,999	Free memberships to Vistara Silver, Priority Pass, and Trident Privilege Red Tier

Apply for ICICI Bank Sapphiro credit card:

Simply follow these procedures to apply for the ICICI Bank sapphiro credit card:

• First, go to the ICICI Bank website.
• Step 2: Select the ICICI Bank Sapphiro credit card from the drop-down menu by clicking on the ‘Credit Card’ banner.
• Step 3: Select the ‘Get Sapphiro Card’ option.
• Step 4: To register for the card, enter your Aadhaar-linked mobile number.
• Step 5: Complete the application form with your personal, financial, and employment information.
• Step 6: Scan and upload all necessary KYC documents.

How to Generate Pin:

Via Online:

Via Net Banking:

If you have an ICICI Bank net banking account, you can generate an ICICI Bank credit card pin using the same site. The following is a step-by-step guide for creating a new ICICI Bank credit card pin.

• Step 1: Go to the ICICI Bank website.
• Step 2: Navigate to Internet Banking and enter your User ID and Password.
• Step 3: Select ‘Generate Credit Card PIN Online’ from the ‘My Credit Cards’ section of the ‘Accounts’ menu.
• Step 4: Enter the OTP received to your registered mobile number and press the ‘proceed’ button.
• Step 5: Enter a 4-digit PIN of your choice and confirm it.
• Step 6: Press the ‘submit’ button.

Via Mobile Application:

You can also commence the ICICI Bank credit card PIN generating process through the ICICI Bank mobile app. The steps that you would need to take are as follows:

• Step 1: Go to the Google Play Store or the Apple App Store and download the ICICI Bank mobile app.
• Step 2: Use your login credentials to log in to your ICICI Bank mobile banking account.
• Step 3: From the menu, select ‘Service and Aadhaar’ and then ‘Card Services’.
• Step 4: Next, click the ‘Generate Credit Card PIN Online’ button, and you will be prompted to input a new 4-digit PIN.
• Step 5: Enter a 4-digit PIN of your choice and confirm it.
• Step 6: Press the ‘Submit’ button.

Via Offline:

Via ATM:

• Step 1: Go to any ICICI Bank ATM near you.
• Step 2: Insert your ICICI Bank credit card into the card reader.
• Step 3: Decide on your favourite communication language.
• Step 4: Click on the ‘Create PIN using OTP’ button.
• Step 5: Enter the OTP you received on your registered mobile number and press the’submit’ button.
• Step 6: Enter a 4-digit PIN of your choice and confirm it.
• Step 7: Click ‘Submit’ once again.

Via SMS:

Follow these simple procedures to generate the ICICI Bank credit card PIN by SMS:

• Step 1: Open messages on your phone and begin composing a new one.
• Step 2: Enter CCPIN XXXX in the message field.
• Step 3: Send the last four numbers of your credit card to 92156-76766.
• Step 4: Finally, the bank will validate the PIN generation procedure and verify all of the information.

Contact ICICI Bank Sapphiro credit card:

Via Phone number:

• 1800 1020 1239

Via E-mail:

customer.care@icicibank.com

Conclusion:

The ICICI Bank Sapphiro Credit Card demonstrates ICICI Bank’s commitment to providing a quality banking experience. This card provides outstanding value to its customers because to its appealing rewards programme, travel incentives, concierge services, and solid security features. The ICICI Bank Sapphiro Credit Card is an ideal choice if you are a frequent traveller, a shopaholic, or someone looking for exclusive benefits. With this credit card, you may enjoy a world of benefits and upgrade your lifestyle while properly managing your expenses.

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