Apply for the ICICI Sapphiro Credit Card online and get shopping and travel vouchers worth Rs.10,000 on paying the joining fee. You can earn up to 20,000 payback points every year and enjoy complimentary visits to airport lounges and golf rounds.
The Gem Collection is a series of credit cards introduced by the ICICI Bank. This collection offers cardholders a range of rewards and privileges. The ICICI Bank Sapphiro Credit Card is an integral part of the collection. It comes in two variants i.e. ICICI Bank Sapphiro MasterCard Credit Card and ICICI Bank Sapphiro American Express Card.
Features And Benefits Of ICICI Bank Sapphiro Credit Cards
A cardholder can avail the following rewards on joining:
Vouchers priced at Rs.3,000 and Rs.1,000 on Shoppers Stop and Croma respectively.
Four vouchers of Rs.1,000 and Rs.250 each for Yatra and Ola respectively.
Specialty Chain of Restaurants offer vouchers of Rs.1,000.
PAYBACK Points on card purchases
One can receive only up to 2,00,000 points in a year.
In case card transactions add up to Rs.4,00,000, one can get 4,000 PAYBACK points as per the Milestone Rewards Program. Following this, transactions above Rs.1,00,000 in an anniversary year will fetch one 2,000 points.
A cardholder can get up to 6 points for transactions worth Rs.100.
If one uses their card to purchase fuel, pay utility bills or insurance, they would receive 1 point per Rs.100.
A cardholder gets a complimentary membership of the Dreamfolks DragonPass.
The membership enables one to have 2 complimentary airport lounge access along with 2 spa sessions.
Access to complimentary golf rounds
Every month, a cardholder can avail up to 4 complimentary golf rounds or lessons.
One can access the offer through GolfTripz post the 10th of the following month.
The offer is valid for next two consecutive months.
1% is waived off on fuel surcharges for transactions at fuel pumps.
Movie ticket offers
If one uses the card to purchase one movie ticket from BookMyShow, they can get Rs.500 off another ticket purchased in the same month.
This offer can availed two times in one month.
A cardholder can get a discount of 15% while dining at select restaurants.
These restaurants must be a part of the ICICI Bank Culinary Treats Program.
i-Assist services offered by the ICICI Bank helps a cardholder in making reservations and referrals for travel, dining, accommodation and other lifestyle amenities.
Protection against card misuse
An in-built microchip protects the card from fraudulent transactions.
Every user is given a Personal Identification Number (PIN) which must be entered while making card purchases at retail outlets.
The PIN does not have to be entered for purchases online.
In order to obtain 3D Secure for the card, one needs to register their card in the official website of ICICI Bank.
Features like ‘Counterfeit Card Liability’ and ‘Account Takeover Cover’ act as an added shield against malicious use of the credit card.
One can receive up to Rs.3 crore as part of air accident insurance cover.
Insurance cannot be availed by the Add-on cardholder.
It can be claimed only if the card was used at least 60 days before the incident.
In order to avail insurance, the outstanding minimum balance of the card must be cleared out.
Fees And Charges For ICICI Bank Sapphiro Credit Card
The following table indicates the charges* linked to the credit card:
Type of charges
Size of charges
Rs.6,500 (excluding GST)
From Second year
Rs.3,500 (excluding GST)
Minimum card purchases for annual fee waiver
Interest charged on cash advances
Dial-a-draft transaction fee
3% of the draft value amount for which one will have to pay a minimum fee of Rs.300
2.50% of the over-limit amount for which one would have to pay the minimum amount of Rs.500
Cash advance transaction fee
2.5% on the advance amount for a minimum of Rs.300
*The charges are subject to change as per the discretion of the bank. The figures given above are valid as of 6 September 2018.
How To Redeem Points On ICICI Bank Sapphiro Credit Card?
One PAYBACK Point is worth Rs.0.25.
The points can be redeemed for either cash or gifts.
In order to redeem the points in cash, a cardholder can contact the customer care number i.e. 080-40146444. They will receive the money within 7 business days.
One can call on 1860-258-5000, to redeem the points for a chosen gift. The gift will be obtained within 10 business days.
Eligibility And Requirements For ICICI Bank Sapphiro Credit Card
The age of the primary cardholder and the Add-on cardholder must be 23 years and 18 years respectively.
The applicant must be an Indian resident.
A good credit score increases the chances of being approved for the card.
The bank requires one to produce an identity proof and address proof.
One would also need to submit their Permanent Account Number (PAN) card or Form 16.
The application must also include a recent color passport-size photograph of the applicant.
Faqs On ICICI Bank Sapphiro Credit Card
How can I pay my bills for my ICICI GEMSTONE Sapphiro Credit Card?
You can pay your credit card bills by going to any ATM or branch where you can put your cheque in the drop box that is kept in these places. You can also use the auto debit option through standing instructions. The other payment options include NEFT, VMT, Infinity (online payment facility), and Click to pay.
With this card, can I pay for my purchases with EMIs?
Yes, you can pay for your purchases with EMIs if the transaction is above Rs.3,000. You will have to use the bank’s internet banking facility and choose ‘Credit Cards’ under ‘My Accounts’. Here, you will have to select ‘Convert to EMI.’ You will need to do this in 30 days after you make your purchase.
How will I get my credit card PIN?
You will get your credit card PIN in 7 days after getting your credit card. This PIN has 4 digits.
If my credit card is going to get lapsed, when will I get my renewal card?
You will get your renewal credit card 10 days before your credit card gets lapsed.
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ICICI has given me a good benefits and this is the highest credit limit card. Am using Sapphiro card for around 12 years. The annual charges are applicable but it has waive option. It is easy to take loans, have air lounge access. They have given gift vouchers every year which is equivalent to annual charges.
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MUKESH KUMAR SINHA
Reviewed on Mar 15, 2019
I have been using Salary account in ICICI BANK for last few years . Am pretty satisfied with the customer service and response . There is no charges for the account . Their net banking and mobile banking facility is too good . Overall am satisfied with my salary account .
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Reviewed on Mar 01, 2019
I have ICICI BANK Credit card , they offered me of credit limit which is very good . This is one of the best card i have . I am getting lots of offer with this card such as on zomato , swiggy and so many online offers for shopping . This is excellent card . Free airport lounge access
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Reviewed on Mar 01, 2019
My ICICI Bank credit card is as good as HDFC bank . I am holding this card for so many years.When ever i require we can opt for a limit enhancement and they do increase it automatically.I am entitled to get offers based on this card ,The card is also accessible every where.