Key Features & Benefits
- ✦6 Reward Points per ₹100 on all eligible retail spends
- ✦50% extra points on American Express variant vs standard
- ✦4 complimentary domestic lounge visits per quarter (16/year)
- ✦2 complimentary international lounge visits per year
- ✦2 free movie tickets per month via BookMyShow (Buy 1 Get 1)
- ✦2 complimentary golf rounds per month at premier courses
- ✦24×7 concierge services
- ✦Air accident insurance cover up to ₹3 crore
- ✦ICICI Bank Culinary Treats — dining discounts at 2,500+ restaurants
- ✦Available in 3 variants: Mastercard, Visa, American Express
- ✦Annual fee waiver at ₹6L annual spend
- ✦Fuel surcharge waiver 1% on ₹400–₹4,000 transactions
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Welcome & Joining Benefits
- ✦Exclusive travel & shopping vouchers worth ₹9,000+ (Tata CliQ, EaseMyTrip, Uber, Zomato Pro, Croma)
- ✦Extra ₹750 cashback on spending ₹20,000 within 60 days (Amex variant)
Milestone Benefits
- ✦₹3L quarterly spend → bonus reward points
- ✦₹6L annual spend → ₹3,500 annual fee waived
Pros & Cons
✓ Advantages
- ✓6X rewards on retail — strong for a mid-tier card
- ✓16 domestic lounge visits/year — generous quarterly allowance
- ✓2 free movie tickets/month via BookMyShow
- ✓Choice of 3 networks (MC, Visa, Amex) — best acceptance coverage
- ✓Golf privileges at premier courses
- ✓Annual fee as low as ₹3,500 vs ₹12K for Emeralde
✗ Disadvantages
- ✗3.5% forex markup — poor for international travel
- ✗Only 2 international lounge visits/year — limited
- ✗Lower reward value than Emeralde
Frequently Asked Questions
Which variant of Sapphiro is best — Mastercard, Visa, or Amex?▼
The Amex variant earns 50% extra points and comes with extra cashback welcome benefit. However, Amex acceptance is limited at some merchants. The Mastercard or Visa variant is safer for wider acceptance.
Can I get both a Mastercard and Amex Sapphiro?▼
Yes — ICICI Bank offers a dual-card variant where you get both Mastercard and Amex Sapphiro cards. The lounge and movie benefits are equally split across both variants.
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