Emirates Skywards ICICI Bank Sapphiro Credit Card

Emirates Skywards ICICI Bank Sapphiro Credit Card Emirates aur ICICI Bank ki co-branded credit card series ka mid-premium variant hai. Yeh card Emirates Skywards ICICI Bank Rubyx Credit Card aur Emirates Skywards ICICI Bank Emeralde Credit Card ke beech ka option hai. Agar aap Emirates ke saath regular travel karte hain aur premium travel benefits ke saath Skywards Miles earn karna chahte hain, to yeh card ek accha choice ho sakta hai.

Card ki joining aur annual fee ₹5,000 + GST hai. Joining ke baad eligible cardholders ko 5,000 bonus Emirates Skywards Miles welcome benefit ke roop me milte hain. Iske alawa, eligible spends par har ₹100 ke spend par up to 1.5 Skywards Miles earn kiye ja sakte hain, jinhe Emirates Skywards program ke through flight bookings, cabin upgrades aur doosre travel rewards ke liye redeem kiya ja sakta hai.

Travel benefits ki baat karein, to cardholders ko Emirates Skywards Silver Tier Membership, domestic aur international airport lounge access, aur spend milestones poore karne par Gold Tier upgrade ka mauka bhi milta hai. Entertainment ke liye BookMyShow par Buy One Get One (BOGO) movie offer aur doosre lifestyle benefits bhi card ke saath milte hain.

Aage is review me hum Emirates Skywards ICICI Bank Sapphiro Credit Card ke Skywards Miles, travel benefits, fees, eligibility, pros aur cons ko detail me samjhenge, taaki aap aasani se decide kar saken ki yeh card aapki travel aur spending needs ke hisaab se sahi choice hai ya nahi.

Emirates Skywards ICICI Bank Sapphiro Credit Card Features and Benefits

Emirates Skywards ICICI Bank Sapphiro Credit Card un travellers ke liye design kiya gaya hai jo Emirates ke saath regular travel karte hain aur premium travel benefits ke saath Skywards Miles earn karna chahte hain. Card ke saath welcome benefits, airport lounge access, milestone rewards aur lifestyle privileges ka accha combination milta hai.

Welcome Benefits

Card activate hone aur joining fee pay karne ke baad aapko:

• 5,000 bonus Emirates Skywards Miles
• Complimentary Emirates Skywards Silver Tier Membership

welcome benefit ke roop me milte hain.

Emirates Skywards Miles

Eligible transactions par aap Emirates Skywards Miles earn kar sakte hain.

• Har ₹100 ke eligible retail spend par 1.5 Skywards Miles milte hain.
• Fuel, utility, insurance, education, government payments, cash withdrawals, EMI transactions aur kuch doosri excluded categories par Skywards Miles earn nahi hote.

Skywards Miles Redemption

• Earn kiye gaye Skywards Miles automatically aapke linked Emirates Skywards Account me credit ho jaate hain.
• In Miles ko Emirates flights, cabin upgrades, hotel bookings aur Emirates Skywards program ke doosre eligible redemption options ke liye use kiya ja sakta hai.

Milestone Benefits

Agar aap ek card anniversary year me ₹5 lakh spend karte hain, to aap Emirates Skywards Gold Tier Membership Upgrade ke liye eligible ho sakte hain, bank aur Emirates ki applicable terms ke anusar.

Travel Benefits

Complimentary Domestic Airport Lounge Access

• Har quarter 2 complimentary domestic airport lounge visits milti hain.
• Is benefit ko unlock karne ke liye pichhle quarter me ₹75,000 ya usse zyada spend karna zaroori hai.

Complimentary International Airport Lounge Access

• Card ke saath Priority Pass Membership milti hai.
• Iske through har saal 2 complimentary international airport lounge visits ka benefit diya jata hai.

Movie & Dining Benefits

BookMyShow BOGO Offer

• BookMyShow par Buy One Get One (BOGO) movie ticket offer available hai.
• Complimentary ticket ki value ₹500 tak ho sakti hai.
• Is offer ka benefit mahine me 2 baar liya ja sakta hai.

Dining Offers

• ICICI Bank Culinary Treats Programme ke through selected partner restaurants par exclusive dining discounts ka benefit milta hai.

Fuel Surcharge Waiver

• Bharat ke eligible fuel stations par 1% fuel surcharge waiver ka benefit milta hai.
• Yeh benefit bank ki applicable terms aur transaction limits ke anusar available hota hai.

Emirates Skywards ICICI Bank Sapphiro Credit Card Fees and Charges

Emirates Skywards ICICI Bank Sapphiro Credit Card apply karne se pehle iske fees aur charges ko samajhna zaroori hai. Neeche card se jude important charges diye gaye hain.

• Joining Fee: ₹5,000 + GST
• Annual Fee: ₹5,000 + GST
• Interest Rate: 3.75% per month (45% per annum) overdue outstanding amount par.
• Forex Markup Fee: International transactions par 3.5% forex markup charge lagta hai.
• Cash Advance Fee: Cash withdrawal par 2.5% ya minimum ₹500, jo bhi zyada ho.

Note: Credit card se cash withdrawal (Cash Advance) karne par cash advance fee ke saath interest bhi turant lagna shuru ho sakta hai. Agar possible ho, to emergency ke alawa credit card se cash withdraw karne se bachna behtar hota hai.

Emirates Skywards ICICI Bank Sapphiro Credit Card Eligibility Criteria

Emirates Skywards ICICI Bank Sapphiro Credit Card ke liye apply karne se pehle bank ke basic eligibility criteria ko poora karna zaroori hai.

• Primary applicant ki age kam se kam 21 saal honi chahiye.
• Add-on cardholder ki age 18 saal ya usse zyada honi chahiye.
• Applicant salaried ya self-employed hona chahiye aur uske paas regular source of income hona chahiye.
• Accha CIBIL score aur positive credit history hone par card approval ke chances behtar hote hain.

Note: Final approval sirf age aur income par depend nahi karta. ICICI Bank apne internal eligibility criteria aur credit assessment ke basis par bhi application evaluate karta hai.

Documents Required

Application process ke dauran bank aapse kuch basic documents maang sakta hai.

Identity Proof

Inme se koi ek document submit kiya ja sakta hai:

• Aadhaar Card
• PAN Card
• Passport
• Driving Licence
• Voter ID

Address Proof

Address verification ke liye inme se koi ek document diya ja sakta hai:

• Aadhaar Card
• Passport
• Driving Licence
• Voter ID
• Recent Utility Bill

Income Proof

Income verify karne ke liye bank aam taur par inme se koi document maang sakta hai:

• Latest Salary Slips
• Recent Bank Statements
• Latest Income Tax Return (ITR)

Bottom Line

Emirates Skywards ICICI Bank Sapphiro Credit Card un travellers ke liye ek strong option hai jo Emirates Airlines ke saath regular travel karte hain aur apni spending par Skywards Miles earn karna chahte hain. Card ke saath 5,000 bonus Skywards Miles, Emirates Skywards Silver Tier Membership, Priority Pass Membership, aur domestic & international airport lounge access jaise premium travel benefits milte hain.

Travel benefits ke alawa, card BookMyShow par Buy One Get One (BOGO) movie offer bhi deta hai. Is benefit ke through aap mahine me 2 complimentary movie tickets (complimentary ticket ki value ₹500 tak) ka fayda utha sakte hain. Iske saath ICICI Bank Culinary Treats Programme ke dining offers aur 1% fuel surcharge waiver bhi milta hai, jo card ki overall value ko aur behtar banata hai.

Halaanki, ₹5,000 + GST ki annual fee aur 3.5% forex markup fee kuch users ke liye limitation ho sakti hai. Agar aap Emirates ke saath regularly travel nahi karte ya premium travel benefits ka zyada use nahi karte, to Emirates Skywards ICICI Bank Rubyx Credit Card jaise lower-fee option ko bhi compare kar sakte hain.

Agar aap ek mid-premium travel credit card dhoondh rahe hain jo Skywards Miles, airport lounge access, complimentary movie tickets aur Emirates travel benefits offer karta ho, to Emirates Skywards ICICI Bank Sapphiro Credit Card ek value-for-money option ho sakta hai.

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