Are you looking for a credit card that offers unparalleled benefits and rewards? Look no further! Introducing the ICICI Bank Sapphiro Credit Card, the epitome of luxury and convenience. This prestigious card is the second most premium offering from ICICI Bank, right after the ICICI Emeralde Credit Card. Packed with a wide range of privileges, attractive offers, and user-friendly features, the Sapphiro Credit Card is a must-have for discerning individuals like you. Whether you’re a frequent traveler or someone who seeks maximum savings and entertainment benefits, this card is designed to cater to your every need.
Key Features and Variants
The ICICI Bank Sapphiro Credit Card is available in three variants: ICICI Bank Sapphiro AmEx Credit Card, ICICI Bank Sapphiro Visa Credit Card, and the Mastercard variant. Currently, only the Visa variant is being issued. The card comes with an annual fee of Rs. 6,500 (plus applicable taxes) and a renewal fee of Rs. 3,500 (plus applicable taxes). Let’s delve into the exciting features and benefits that make this card stand out.
Welcome Benefits
ICICI Bank ensures a great start to your journey with the Sapphiro Credit Card by offering exclusive welcome benefits worth more than the joining fee. With this card, you’ll be rewarded for every purchase you make. The bank recently replaced the Payback Program with the ICICI Rewards program, enabling you to earn ICICI Reward Points instead. Whether you’re shopping domestically or internationally, paying utility bills, or fueling up your vehicle, every expense will bring you savings. Let’s take a closer look at the features and benefits of the ICICI Bank Sapphiro Credit Card.
Rewards and Benefits
- Movie & Dining: Enjoy Rs. 500 off on the second movie or event ticket when you purchase one ticket from BookMyShow.
- Rewards Rate: Earn 4 Reward Points per Rs. 100 spent on international purchases and 2 Reward Points on domestic purchases.
- Reward Redemption: Redeem your earned reward points for cash back or gifts at a rate of 1 RP = Re. 0.25.
- Travel: Avail of complimentary domestic and international airport lounge visits and spa sessions at select domestic airports under the Dreamfolks Membership Programme.
- Golf: Experience complimentary golf rounds or lessons every quarter.
- Domestic Lounge Access: Enjoy 2 complimentary domestic lounge visits with the Mastercard and Amex variants, and 4 complimentary domestic lounge access with the Visa variant.
- International Lounge Access: Get 2 complimentary international airport lounge access per year through the Dreamfolks membership.
- Insurance Benefits: Benefit from air accident insurance worth Rs. 3 crores, credit shield cover worth Rs. 50,000, and other travel-related insurance covers.
- Zero Liability Protection: Be protected against lost card liability (worth Rs. 50,000) from 2 days prior to reporting and up to 7 days after reporting the loss to ICICI Bank.
Fees and Charges
- Spend-based Waiver: Renewal fee waiver on spending Rs. 6 lakhs annually.
- Rewards Redemption Fee: Rs. 99 (plus applicable taxes) per redemption request.
- Foreign Currency Markup: 3.50% of the total transaction value.
- Interest Rates: 3.4% per month (or 40.8% per annum).
- Fuel Surcharge: 1% fuel surcharge waiver (maximum Rs. 250 per billing cycle) at all fuel stations in India.
- Cash Advance Charge: 2.5% of the total transaction amount (minimum Rs. 300).
- Add-on Card Fee: Nil.
Unlock a World of Privileges
With the ICICI Bank Sapphiro Credit Card, you gain access to a world of privileges tailored to your lifestyle. From entertainment to travel and dining, this card ensures that you make the most out of every experience. Here are some additional benefits that make this card truly exceptional:
- Travel Benefits: Enjoy complimentary access to airport lounges across India and abroad, allowing you to relax and unwind before your flights. Additionally, the card offers exclusive privileges under the Dreamfolks Membership Programme, including access to spa sessions at select domestic airports. These benefits are designed to make your travel experience more comfortable and enjoyable.
- Dining Privileges: Indulge in a culinary journey with exclusive dining offers and discounts at partner restaurants. Whether you’re dining out with friends, family, or colleagues, you can avail of special privileges such as complimentary desserts, discounts on your bill, or even a free meal for a companion. This card ensures that your dining experiences are not only delicious but also cost-effective.
- Golf Privileges: If you’re a golf enthusiast, the ICICI Bank Sapphiro Credit Card has you covered. You can enjoy complimentary golf rounds or lessons at select golf courses every quarter. It’s the perfect opportunity to enhance your golfing skills or simply enjoy a round of golf in a luxurious setting.
- Insurance Coverage: The card provides comprehensive insurance coverage for various situations. It includes air accident insurance worth Rs. 3 crores, credit shield cover worth Rs. 50,000, and other travel-related insurance covers. These insurance benefits provide you with peace of mind during your travels and daily life.
- Zero Liability Protection: ICICI Bank offers zero liability protection for any lost card incidents. If your card is lost or stolen, you are protected from any unauthorized transactions made from the time of loss reporting up to 7 days after reporting it to the bank. This feature ensures that you are safeguarded against fraudulent activities.
Ease of Banking
Managing your ICICI Bank Sapphiro Credit Card is convenient and hassle-free. You can access your card account online through the ICICI Bank website or the mobile banking app. This allows you to view your transactions, pay your bills, redeem your reward points, and manage your account from anywhere, at any time. The user-friendly interface ensures that you have complete control over your card and can track your expenses effortlessly.
Eligibility Criteria for ICICI Sapphiro Credit Card:
- Age: Between 21 years and 65 years.
- Income: A stable source of income.
- Credit Score: A decent credit score of 750 or above.
Documents Required for Application:
- Identity Proof: Voter’s ID, Aadhaar Card, PAN Card, driving license, Passport, etc. (anyone).
- Address Proof: Aadhaar Card, Utility bills, Passport, etc. (anyone).
- Income Proof: Salary slip or bank statement (for salaried individuals) and the latest Income Tax Return (ITR) (for self-employed individuals).
How to Apply for ICICI Sapphiro Credit Card:
- Online Method:Visit the official website of ICICI Bank.Go to the “Credit Cards” section.Scroll down and find the Sapphiro Credit Card under the Gemstone cards.Click on the “Get Card” option.Fill out the application form carefully.Submit the required documents and complete the application process.
- Offline Method: Visit the nearest ICICI Bank branch and apply for the Sapphiro Credit Card.
Application Status:
- Online Method: Visit the official webpage for tracking an application. Enter your registered mobile number, date of birth, and application number to check the status.
- Offline Method: Visit the ICICI Bank branch or contact the customer care to inquire about your credit card application status.
How to Activate ICICI Sapphiro Credit Card:
- Online Banking: Log in to your ICICI Bank net banking account and generate the PIN for your credit card.
- ICICI Bank ATM: Visit the nearest ICICI Bank ATM and select the option “Create PIN using OTP” to activate the card. Make sure to have the registered mobile number with you.
- ICICI Bank Mobile App: Use the ICICI Bank Mobile app to activate your credit card conveniently.
- Customer Care: Contact the ICICI Bank credit card customer care and request assistance in activating your card.
How to Increase ICICI Sapphiro Credit Card Limit:
- SMS Method: Send an SMS in the format “CRLIM <XXXX>” to <5676766>, where XXXX represents the last 4 digits of your credit card number.
- iMobile App: Use the ICICI Bank iMobile app to request a credit limit increase. Go to the “Manage Card” section and enter your desired credit limit.
- Internet Banking: Log in to your ICICI Bank internet banking account. Under the “My Accounts” section, click on “Credit Card” and then go to “Manage Credit Limit” to increase the limit.
- Customer Care: Contact ICICI Bank customer care and seek guidance on requesting a credit limit increase.
ICICI Sapphiro Credit Card Bill Payment:
- Internet Banking: Log in to your ICICI Bank internet banking account. Navigate to the “Cards & Loans” section, select your credit card, and proceed with bill payment.
- Other Bank Accounts: Use your respective bank’s internet banking account to make the payment through NEFT. Enter the credit card number as the account number and find the IFSC code online.
- Wallet Apps: Pay your credit card bill using wallet-based apps like Paytm, PhonePe, Google Pay, Amazon Pay, Cred, etc.
- ICICI Bank ATM: Visit an ICICI Bank ATM and select the bill payment option to pay your credit card bill.
- Cash/Cheque: You can pay your credit card bill via cash or cheque by dropping it at the nearest ICICI Bank ATM or sending it to the official address of the nearest ICICI Bank branch.
ICICI Sapphiro Credit Card Login/Net Banking:
To register your ICICI Sapphiro Card for internet banking, follow these steps:
- Visit the ICICI Bank’s official website.
- Click on the “Digital banking” option.
- Scroll down and click on “Open an account” to open your internet banking account.
- Proceed with getting your user ID.
- Enter your account number and click on “Go.”
- Enter your registered mobile number and complete the verification process. Your account credentials will be sent to your registered mobile number.
How to Block ICICI Sapphiro Credit Card:
- Internet Banking: Log in to your ICICI Bank internet banking account. Under the “Manage Your Card” section, choose the option to block your credit card. A confirmation message will appear after your card is blocked.
- iMobile App: Use the ICICI iMobile app and navigate to the “Services” section to block your credit card.
- Customer Care: Contact the ICICI Bank credit card customer care and request them to block your card immediately.
ICICI Sapphiro Credit Card Customer Care:
For any doubts or queries related to your ICICI Sapphiro Credit Card, you can contact the bank’s customer care at 1860 120 7777. The customer care helpline is available every day from 9:00 am to 7:00 pm. You can also contact ICICI Bank customer care via email by sending your query along with your personal and account details to [email protected].
Conclusion
The ICICI Bank Sapphiro Credit Card is a premium offering that brings together luxury, convenience, and exclusive benefits. Whether you’re a frequent traveler, a food lover, or someone who enjoys golfing, this card caters to your diverse interests. With attractive rewards, airport lounge access, dining privileges, and comprehensive insurance coverage, this card opens up a world of possibilities. To avail yourself of these privileges and rewards, apply for the ICICI Bank Sapphiro Credit Card and unlock a truly exceptional experience.