ICICI Bank Sapphiro Credit Card bank ke premium credit cards me se ek hai aur travel, lifestyle, entertainment aur rewards ka accha combination offer karta hai. Yeh card Visa, Mastercard, American Express (AmEx) aur RuPay variants me available hai, jisse aap apni preference ke hisaab se network choose kar sakte hain.
Is card ki annual fee ₹6,500 + GST hai. Welcome benefits ke roop me cardholders ko joining fee se zyada value wale vouchers aur premium memberships milte hain. Iske alawa, eligible domestic aur international spends par ICICI Reward Points earn kiye ja sakte hain, jinhe baad me travel, shopping, gift vouchers aur doosre redemption options ke liye use kiya ja sakta hai.
Travel karne wale users ke liye airport lounge access, movie ticket offers, dining discounts, golf benefits aur concierge services jaise premium features bhi diye jaate hain. Isi wajah se yeh card un logon ke liye accha option ho sakta hai jo regular travel karte hain aur apne everyday spends par additional benefits lena chahte hain.
Aage is review me hum ICICI Bank Sapphiro Credit Card ke features, Reward Points, fees, eligibility, airport lounge access, pros aur cons ko detail me samjhenge, taaki aap aasani se decide kar saken ki yeh card aapki spending aur lifestyle ke hisaab se sahi choice hai ya nahi.
ICICI Bank Sapphiro Credit Card
Rewards and Benefits
›₹500 Off on the Second Movie Ticket Via BookMyShow
Redeem RPs for Cashback/Vouchers. 1 Reward Point = ₹0.25
4 Complimentary Domestic Lounge Visits Each Quarter
Complimentary golf rounds/lessons every quarter
4 RPs/₹100 Spent Abroad (~1%) and 2 RPs/₹100 Spent Domestically (~0.50%)
Complimentary Priority Pass Membership
2 Complimentary International Airport Lounge Access Each Year
Air accident insurance (worth Rs 3 crores), Credit Shield Cover worth Rs 50,000 and other travel-related Insurance Covers.
Fees & Charges
›Renewal Fee Waiver on Spending ₹6 Lakhs Annually
3.75% Per Month (45% Per Annum)
₹99 + GST
1% of Fuel Surcharge Waiver (Maximum ₹250 Per Billing Cycle)
3.50% + GST
2.5% of the Total Transaction Amount (Minimum ₹500)
Product Details
›- Welcome benefit ke taur par ₹9,000 se zyada value ke vouchers aur premium benefits.
- Domestic spends par har ₹100 ke eligible spend par up to 2 Reward Points aur international spends par up to 4 Reward Points.
- Insurance aur utility spends par har ₹100 ke spend par 1 Reward Point.
- Milestone Reward Program ke tahat har saal up to 20,000 bonus Reward Points.
- BookMyShow par Buy One Get One (BOGO) movie ticket offer ka benefit.
- Complimentary domestic aur international airport lounge access.
- Har mahine selected golf courses par up to 4 complimentary golf rounds ya golf lessons.
Pros/Cons
›- Welcome benefits ki value joining fee se kaafi zyada hoti hai, isliye first year me card acchi value de sakta hai.
- Travel aur lifestyle benefits jaise airport lounge access, golf privileges, movie offers aur concierge service ek hi card me mil jaate hain.
- Milestone Reward Program ke through high spenders additional Reward Points earn kar sakte hain.
- Visa, Mastercard, RuPay aur American Express jaise multiple network options available hain, jisse apni preference ke hisaab se card choose karna aasaan hota hai.
- Domestic airport lounge access ke liye har quarter minimum spending condition poori karni padti hai, isliye har user is benefit ka use nahi kar pata.
- 3.5% forex markup fee international transactions ke liye kaafi zyada maani jaati hai, jabki is price range me kai cards lower forex charges offer karte hain.
- Reward Points ka redemption value kuch competing premium cards ke mukable utna strong nahi maana jata.
- Agar aap travel ya lifestyle benefits ka regular use nahi karte, to annual fee justify karna mushkil ho sakta hai.
ICICI Bank Sapphiro Credit Card Features and Benefits
ICICI Bank Sapphiro Credit Card ke saath travel, entertainment, dining aur lifestyle categories me kai premium benefits milte hain. Agar aap regular traveller hain ya premium lifestyle features wala credit card dhoondh rahe hain, to is card ke features ko detail me samajhna zaroori hai.
Welcome Benefits
Joining fee successfully pay karne ke baad cardholders ko welcome vouchers aur premium memberships ka benefit milta hai. Yeh benefits aam taur par 45 business days ke andar issue kiye jaate hain.
Welcome benefits me category ke hisaab se shopping, travel aur lifestyle vouchers ke saath EazyDiner Prime Membership bhi shamil ho sakti hai. Available vouchers aur unki value bank ke current offer ke hisaab se badal sakti hai.
Aage hum is card ke Reward Points, milestone benefits, airport lounge access, movie offers, golf privileges aur doosre premium features ko detail me samjhenge.
| Gift Voucher/Membership | Worth of Voucher/Membership |
| Tata CliQ Voucher | ₹3,000 |
| Croma Voucher | ₹1,500 |
| EaseMyTrip Voucher | ₹4,000 |
| Uber Voucher | ₹1,000 |
| Da Milano | ₹5,000 |
Milestone Benefits
Regular spends karne par ICICI Bank Sapphiro Credit Card additional Reward Points bhi offer karta hai.
- Card anniversary year me ₹4 lakh spend karne par 4,000 bonus Reward Points milte hain.
- Iske baad har ₹1 lakh ke additional spend par 2,000 bonus Reward Points earn hote hain.
- Ek anniversary year me maximum 20,000 bonus Reward Points milestone benefits ke tahat mil sakte hain.
Travel Benefits
Travel karne wale users ke liye card ke saath domestic aur international airport lounge access ka benefit diya jata hai. Yeh card Visa, Mastercard, American Express aur RuPay variants me available hai.
Domestic Airport Lounge Access
- Har quarter 4 complimentary domestic airport lounge visits milti hain.
- Is benefit ke liye pichhle quarter me ₹75,000 ya usse zyada spend karna zaroori hai.
- Lounge access selected partner airports par available hota hai.
International Airport Lounge Access
- Card ke saath complimentary Priority Pass Membership di jaati hai.
- Iske through har saal 2 complimentary international airport lounge visits ka benefit milta hai.
- Yeh benefit sirf primary cardholder ke liye available hai. Add-on cardholders ya guests ke liye applicable charges lag sakte hain.
Movie and Dining Benefits
Entertainment aur dining ke liye bhi card kai useful benefits offer karta hai.
- BookMyShow par Buy One Get One (BOGO) movie ticket offer milta hai.
- Free movie ticket ki value ₹500 tak ho sakti hai.
- Is offer ka benefit mahine me 2 baar liya ja sakta hai.
- ICICI Bank Culinary Treats Programme ke through partner restaurants par dining discounts aur special offers bhi milte hain.
Golf Benefits
Golf pasand karne wale users ke liye bhi yeh card premium benefits offer karta hai.
- Pichhle quarter me ₹50,000 spend karne par complimentary golf rounds ya golf lessons ka benefit milta hai.
- Ek quarter me maximum 4 complimentary golf rounds ya lessons liye ja sakte hain.
- Golf benefit use karne ke liye Golftripz ki official website par registration karna zaroori hai.
- Eligible golf rounds ya lessons milestone complete hone ke baad Golftripz account me credit kar diye jaate hain aur unhe bank ki applicable validity ke andar use kiya ja sakta hai.
Insurance Benefits
ICICI Bank Sapphiro Credit Card ke saath travel aur safety se jude kai insurance benefits bhi milte hain. Neeche inki coverage di gayi hai:
| Insurance Cover | Coverage |
|---|---|
| Personal Air Accident Cover | ₹3 Crore |
| Baggage Insurance | Up to ₹25,000 |
| Loss of Checked-in Baggage | Up to USD 1,200 |
| Delay in Checked-in Baggage | Up to USD 300 (12 ghante se zyada delay hone par) |
| Missed Flight Due to Trans-shipment | Up to USD 300 |
| Loss of Travel Documents | Up to USD 500 |
| Flight Delay | Up to USD 250 (12 ghante se zyada delay hone par) |
| Plane Hijacking Cover | USD 250 per hour (Maximum 12 hours) |
Note: Insurance benefits aur claim process bank ki latest terms and conditions ke hisaab se apply hote hain. Claim karne se pehle ICICI Bank ki official policy aur eligibility conditions zaroor check kar len.
24×7 Concierge Service
ICICI Bank Sapphiro Credit Card ke saath 24×7 i-Assist Concierge Service ka benefit milta hai. Is service ke through cardholders rozmarra aur travel se judi kai bookings aur requests ke liye assistance le sakte hain.
Concierge Service ke under aapko in services me madad milti hai:
- Flight booking aur reservation assistance
- Hotel booking aur restaurant reservation
- Flower aur gift delivery assistance
- Movie ticket booking aur delivery support
- Medical concierge services
Yeh service un users ke liye kaafi useful ho sakti hai jo travel ya lifestyle bookings ko aasaan aur convenient banana chahte hain.
ICICI Bank Sapphiro Credit Card Reward Points
ICICI Bank Sapphiro Credit Card ke saath alag-alag spending categories par ICICI Reward Points earn kiye ja sakte hain.
- International transactions par har ₹100 ke spend par 4 Reward Points milte hain.
- Domestic spends par har ₹100 ke spend par 2 Reward Points earn hote hain. (Fuel transactions ko chhodkar)
- Utility aur insurance spends par har ₹100 ke spend par 1 Reward Point milta hai.
Reward Points Redemption
Earn kiye gaye ICICI Reward Points ko cashback ya gifts ke liye redeem kiya ja sakta hai.
Cashback Redemption
Agar aap Reward Points ko statement balance (cash credit) me redeem karna chahte hain, to ICICI Bank Credit Card Customer Care se contact kar sakte hain. Redemption request approve hone ke baad cashback aam taur par 7 din ke andar card account me credit kar diya jata hai.
Gift Redemption
Reward Points ko gift vouchers ya doosre eligible gifts ke liye bhi redeem kiya ja sakta hai. Gift redemption request ke baad selected gift aam taur par 10 working days ke andar dispatch kar diya jata hai.
ICICI Bank Sapphiro Credit Card Fees and Charges
ICICI Bank Sapphiro Credit Card apply karne se pehle iske fees aur charges ko samajhna zaroori hai. Neeche card ke important charges diye gaye hain.
- Joining Fee: ₹6,500 + GST
- Annual Fee: ₹3,500 + GST (Second year se applicable)
- Interest Rate: 3.40% per month (40.80% per annum)
- Cash Advance Fee: Cash withdrawal par 2.5% ya minimum ₹500, jo bhi zyada ho.
- Forex Markup Fee: International transactions par 3.5% forex markup charge lagta hai.
Note: Agar aap cash withdrawal (Cash Advance) ka use karte hain, to cash advance fee ke saath applicable interest aur doosre bank charges bhi lag sakte hain. Isliye emergency ke alawa credit card se cash nikalne se bachna behtar hota hai.
ICICI Sapphiro Card Eligibility Criteria
| Particular | Criteria |
| Age | Between 21 Years and 65 Years |
| Income | Stable source of Income |
| Credit Score | Decent credit score (750 or above) |
ICICI Bank Sapphiro Credit Card ke Liye Kaise Apply Karein?
ICICI Bank Sapphiro Credit Card ke liye aap online ya offline, dono tarikon se apply kar sakte hain.
Online Apply Karne ka Tarika
Agar aap online apply karna chahte hain, to ye steps follow karein:
- ICICI Bank ki official website par jaakar Sapphiro Credit Card page open karein.
- Apply Now par click karein.
- Application form me apni personal aur financial details dhyan se bharein.
- PAN Card, Address Proof, Income Proof aur bank ke maange gaye documents upload karein.
- Form submit karne ke baad bank aapki details verify karega.
- Approval milne par card aapke registered address par dispatch kar diya jayega.
Offline Apply Karne ka Tarika
Agar aap branch se apply karna chahte hain, to:
- Apni nearest ICICI Bank branch visit karein.
- Sapphiro Credit Card ka application form bharein.
- Zaroori documents submit karein.
- Verification complete hone ke baad bank aapki application process karega.
Application Status Kaise Check Karein?
Agar aapne ICICI Bank Sapphiro Credit Card ke liye apply kar diya hai, to application status online aur offline dono tarikon se check kar sakte hain.
Online
- ICICI Bank ke Credit Card Application Tracking page par jaayein.
- Apna registered mobile number, date of birth aur application number enter karein.
- Verification ke baad aapko application ka latest status dikh jayega.
Offline
Agar aap online status check nahi karna chahte, to apni nearest ICICI Bank branch visit karke bank executive se bhi application status ke baare me jankari le sakte hain.
ICICI Bank Sapphiro Credit Card Kaise Activate Karein?
ICICI Bank Sapphiro Credit Card activate karne ke liye aap neeche diye gaye kisi bhi method ka use kar sakte hain.
1. Internet Banking se PIN Generate Karein
- Apne ICICI Bank Net Banking account me login karein.
- Credit Card section me jaakar Generate Credit Card PIN ka option select karein.
- OTP verify karke apna naya PIN set karein. PIN generate hote hi card use karne ke liye activate ho jata hai.
2. ICICI Bank ATM se Activate Karein
- Apne nearest ICICI Bank ATM par jaayein.
- Create PIN using OTP option select karein.
- Registered mobile number par aaye OTP ko verify karke naya PIN set karein.
3. iMobile Pay App se Activate Karein
- ICICI Bank iMobile Pay App me login karein.
- Credit Card section me jaakar PIN generate ya reset karein.
- PIN set hone ke baad card transactions ke liye activate ho jata hai.
4. Customer Care ki Madad Lein
Agar PIN generate ya card activation me koi dikkat aa rahi ho, to ICICI Bank Credit Card Customer Care se contact karke bhi card activate karwa sakte hain.
ICICI Bank Sapphiro Credit Card Customer Care
Agar ICICI Bank Sapphiro Credit Card se judi koi bhi query, complaint ya assistance chahiye, to aap customer care se contact kar sakte hain.
- Customer Care Number: 1860 120 7777 (Available: 9:00 AM se 7:00 PM, har din)
- Email Support: customer.care@icicibank.com
Customer Care se contact karte waqt verification ke liye aapse card ya account se judi kuch basic details maangi ja sakti hain.
ICICI Bank Sapphiro Credit Card ke Similar Cards
Agar aap ICICI Bank Sapphiro Credit Card ke alternatives dekhna chahte hain, to market me kai premium credit cards available hain jo rewards, airport lounge access, travel aur lifestyle benefits offer karte hain. Neeche diye gaye comparison table me humne annual fee, reward rate aur key benefits ke basis par kuch popular cards ki tulna ki hai, taaki aap apni spending aur travel needs ke hisaab se sahi credit card choose kar sakein.
| Credit Card | Annual Fee | Reward Rate | Main Benefits |
|---|---|---|---|
| ICICI Bank Sapphiro Credit Card | ₹3,500 + GST | Domestic spends par har ₹100 ke spend par up to 2 Reward Points aur international spends par up to 4 Reward Points. | Complimentary domestic aur international airport lounge access, BookMyShow par BOGO movie offer, aur milestone benefits ke tahat har saal up to 20,000 bonus Reward Points. |
| HDFC Infinia Credit Card | ₹12,500 + GST | Har ₹150 ke spend par 5 Reward Points aur SmartBuy par 10X Reward Points. | Unlimited domestic aur international airport lounge access, premium travel benefits aur SmartBuy par accelerated rewards. |
| SBI Elite Credit Card | ₹4,999 + GST | Har ₹100 ke spend par 2 Reward Points aur dining, grocery aur departmental stores par 5X Reward Points. | Domestic aur international airport lounge access, har mahine complimentary movie tickets aur milestone spends par up to 50,000 bonus Reward Points. |
Kya ICICI Bank Sapphiro Credit Card Aapke Liye Sahi Hai?
Har user ki spending habits aur financial needs alag hoti hain. Isliye ICICI Bank Sapphiro Credit Card apply karne se pehle yeh dekhna zaroori hai ki iske benefits aapke liye kitne useful hain.
Agar aap regular travel karte hain, airport lounge access, movie offers, golf benefits aur premium lifestyle privileges ka use karte hain, to yeh card acchi value de sakta hai. Wahin agar aapka monthly spending kam hai ya aap in premium features ka zyada use nahi karte, to kam annual fee wale doosre credit cards bhi aapke liye behtar option ho sakte hain.
Final decision lene se pehle annual fee, Reward Points, lounge access, forex charges aur milestone benefits ko apni spending pattern ke saath compare karein. Saath hi, isi price range ke doosre premium credit cards se bhi comparison zaroor karein, taaki aap apni zarurat ke hisaab se sabse sahi credit card choose kar saken.
Bottom Line
ICICI Bank Sapphiro Credit Card un users ke liye accha option hai jo ek premium credit card ke saath travel, entertainment aur lifestyle benefits ka poora fayda uthana chahte hain. Card ke saath Reward Points, airport lounge access, movie ticket offers, golf privileges, dining discounts aur insurance benefits jaise kai premium features milte hain.
Agar aap regular spends karte hain, to milestone Reward Points aur welcome benefits is card ki overall value ko aur behtar bana dete hain. Saath hi, ICICI Bank Culinary Treats Programme ke through partner restaurants par dining offers aur BookMyShow par movie ticket benefits bhi cardholders ke liye extra value add karte hain.
Halaanki, is card ki joining fee ₹6,500 + GST hai aur airport lounge access jaise kuch benefits ke liye spending conditions bhi poori karni hoti hain. Isliye apply karne se pehle apni spending pattern aur card ke annual benefits ko dhyan se evaluate karna zaroori hai.
Agar aap premium lifestyle aur travel benefits ko regular use karte hain aur annual fee aapke budget me fit baithti hai, to ICICI Bank Sapphiro Credit Card ek accha aur value-for-money premium credit card ho sakta hai.
FAQs
ICICI Bank Sapphiro Credit Card ke Reward Points kitne din tak valid rehte hain?
ICICI Reward Points earn hone ki date se 3 saal (36 mahine) tak valid rehte hain. Isliye expiry se pehle inhe redeem kar lena behtar hota hai.
Kya ICICI Bank Sapphiro Credit Card ki annual fee waive ho sakti hai?
Haan. Agar aap ek card anniversary year me ₹6 lakh ya usse zyada spend karte hain, to card ki annual fee waive ho jaati hai.
Kya ICICI Bank Sapphiro Credit Card ke saath Personal Air Accident Insurance milta hai?
Haan. Is card ke saath ₹3 crore tak ka Personal Air Accident Cover diya jata hai. Insurance benefits par bank ki terms aur conditions apply hoti hain.
Kya ICICI Bank Sapphiro Credit Card lifetime free hai?
Nahi. Is card ki joining fee ₹6,500 + GST aur annual fee ₹3,500 + GST hai. Halaanki, spending condition poori karne par annual fee waive karayi ja sakti hai.
Kya ICICI Bank Sapphiro Credit Card se international transactions kiye ja sakte hain?
Haan. Yeh ek international credit card hai aur isse foreign currency me bhi transactions kiye ja sakte hain. Zarurat ke hisaab se aap Internet Banking ya iMobile Pay App ke through international transactions ko enable ya disable bhi kar sakte hain.
ICICI Bank Sapphiro Credit Card par interest rate kitna hai?
Is card par 3.75% per month yani 45% per annum ka interest charge applicable hai.
Kya ICICI Bank Sapphiro Credit Card se cash withdraw kar sakte hain?
Haan. Is card se cash withdrawal (Cash Advance) kiya ja sakta hai, lekin bank dwara ek cash withdrawal limit fix ki jaati hai.
Cash withdrawal par:
2.5% cash advance fee ya minimum ₹500 (jo bhi zyada ho) charge kiya jata hai.
Iske alawa applicable interest aur doosre charges bhi lag sakte hain.