Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • ICICI Bank Sapphiro Visa Credit Card Reviews

    • ICICI Bank Credit Card
      "Need improvement"
      0.5 1.0/5 "Really Bad"
      The ICICI executive came to my place thrice and collected my documents to process my credit card but after that they haven't gave any response in concern to my credit card application. The customer service and the response need to be improved with ICICI bank. The rate of interest is nominal with ICICI bank.
      Was this review helpful? 0
      , madurai
      Reviewed on Jul 17, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      ICICI provides reward points on my credit card. I am using ICICI card which is a chargeable one. I do not have any accounts with the bank but I got only credit card. The services are good and the bank quoted good credit limit as well. Also I am getting cash back offers.
      Was this review helpful? 0
      , ankleshwar
      Reviewed on Jul 13, 2017
    • ICICI Bank Credit Card
      "Good to Use"
      0.5 4.5/5 "Excellent!"
      I use credit card of ICICI bank for the past one year. The credit limit is pretty good and I use to make the payment before 10 days so I do not default in making the payments. The customer service is also good and I am quite satisfied with their service too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 13, 2017
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The credit card experience is good and there are a good of offers for me. Axis bank has been doing good and they are very much proactive in the services. There has not been issues while accessing my card the credit limit they have offered is one lakhs and I am holding this card for about a year now
      Was this review helpful? 0
      , hisar
      Reviewed on Jul 13, 2017
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      Its a life time free credit card.I use this card with ICICI bank for long time life 15 years Even the customer service is good with ICICI bank there are some offers but I don't check all that.and they have given the grace period of payment of 45 days.
      Was this review helpful? 1
      , valsad
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "Good to Use"
      0.5 4.0/5 "Great!"
      I applied for the credit card with ICICI bank and they provided the card as a life time free card. The credit limit is quite good as per my requirement. And I am happy with the credit card. It is more comfortable for my usage and there is no issues at all.
      Was this review helpful? 0
      , pondicherry
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "Satifactory service"
      0.5 3.0/5 "Satisfactory"
      The first and foremost reason the service is not good with this card they have so much charges if I use this card and the credit limit is also not good, they have just offered 20000 rupees as limit which is not satisfied at all and its chargeable card 299/- and at some places if they don't have ICICI machine there by they dont accept ICICI credit cards too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Actually, ICICI bank provides offers more often. They offered credit cards too. The bank is good in providing credit limit because they provided sufficient limit on my card. Once they shifted my account into privileged category, I did not receive any offers from the bank. Previously, I used to get more offers frequently.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "Easy to avail ICICI credit card"
      0.5 4.0/5 "Great!"
      I don't get any waiver on my ICICI credit card for the annual fee, but in CITI if I swipe my credit card for Rs.30k they give a waiver on annual charges, that is the draw back. But ICICI customer service is good, I have ICICI customer care mobile number, I could reach their executive they help on queries. ICICI credit card have petrol surcharges option, but I can't utilize the same at all petrol bunks.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "Convenient"
      0.5 4.0/5 "Great!"
      I have EMI credit card with ICICI bank. The limit offered by the bank is good enough. I am using this card on daily basis. Even I have credit cards with other bank. I am getting reward points on every usage and the services of ICICI is good for the credit card.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "Convenient"
      0.5 5.0/5 "Blown Away!"
      I availed credit card from ICICI bank. This is a chargeable card. I am very convenient with the bank in using the card. I have reward points and cash back offers on my card. Till date, I do not have any kind of issues with the bank at any point of time.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "No offers for credit card user"
      0.5 3.0/5 "Satisfactory"
      I cant redeem my points easily in ICICI, there is no online options. So far I didn't get any cash backs its not upto the mark. I have been using it around two years. Their credit limit is nominal but they asked me to upgrade it but not interested to continue with them.
      Was this review helpful? 1
      , pune
      Reviewed on Jul 11, 2017
    • ICICI Bank Credit Card
      "Be customer oriented"
      0.5 3.0/5 "Satisfactory"
      Initially I was informed that I will get more benefits on my credit card so I applied for the card and got it but after taking the card, they are telling different and there is no benefits on my credit card. They should not provide wrong commitments in order to make the customers to get the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 11, 2017
    • ICICI Bank Credit Card
      "Good to use"
      0.5 4.0/5 "Great!"
      ICICI credit card works well, but it has lower credit limit, I am getting petrol surcharge and movie ticket at my bookmyshow. ICICI is also providing air lounge facilities and dinning and shopping offers. It has many add on features even there are no hidden charges as well. However it would be great if they provide a detailed description about the transactions (i.e) spends and repayments.
      Was this review helpful? 1
      , visakhapatnam
      Reviewed on Jul 11, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The rate of interest is high with ICICI bank Coral VISA credit card. I am holding a coral card for past 2 years. I am happy with the credit limit, The customer service and the response is good with ICICI bank. The service provided by ICICI bank is good.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jul 10, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I do have ICICI bank credit card from the last 2.5 years of time. The services are good one with the ICICI bank credit card. They used to give some general offers , also they are providing fifty days of time as the cooling period to make the payment the credit limit is around 50000 rupees.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 10, 2017
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      ICICI bank has offered me a credit card and the limit they have provided is satisfactory like 75000 rupees. But I do not use the card much it is only for emergency purposes.Based on home loan they have offered me this credit card I am happy with their services and the response overall
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jul 09, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am using a basic credit card with ICICI bank. I am having ICICI bank Coral Visa credit card for past 2 years. Benefits are very less in this card. I am happy with the credit limit. The rate of interest is nominal , because I do the payment on time. I am happy and satisfied using this coral card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 07, 2017
    • ICICI Bank Credit Card
      "Convenient for shopping"
      0.5 4.0/5 "Great!"
      I have ICICI coral visa credit card,whenever I fill petrol in HP bunks they gives surcharges and cash back offer. ICICI is also giving good reward points for all transactions. Even the credit limit is satisfactory and happy to hold my ICICI credit ca rd for all transactions.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 07, 2017
    • ICICI Bank Credit Card
      "Prompt Service"
      0.5 5.0/5 "Blown Away!"
      I am using a life time free credit card with ICICI bank. The bank is providing reward points and cash back offers on my credit card. It is good for the usage and the credit limit is fine. I hold savings account with the same bank. All their services are good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 07, 2017
    Common Loader Icon

    ICICI Bank Sapphiro Visa Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    The ICICI Bank Sapphiro credit card envelopes exclusive benefits and privileges that will make your card experience more enriching. Be rewarded for all your spends and at the same time, enjoy offers, discounts, exclusive invites and lounge access when you use your ICICI Bank Sapphiro credit card. Interest-free credit periods, fuel surcharge waivers, annual fee waivers, travel and golfing privileges, plus a personal concierge are yours for the taking. The Sapphiro credit card is on offer exclusively to chosen customers of ICICI Bank.

    Benefits:

    Welcome offer:

    When you become a customer of the ICICI Bank Sapphiro VISA credit card, you will be gifted with a set of Bose IE2 headphones.

    Annual fee waiver:

    The annual fee for this card is Rs. 3,500 from the second year onward. If you spend more than Rs. 5 lakhs in the previous year, your annual fee will be waived.

    Hand-picked rewards:

    Under the hand-picked rewards scheme, you can enrich your shopping experience. Get 2 points for every Rs. 100 spent domestically. For international spends, you will receive 4 reward points instead. Redeem the points you earn from a wide array of options that includes air miles, apparels, fragrances, holidays, dining, home entertainment and even hi-tech gadgets

    Travel privileges:

    Get a complimentary Priority Pass that gives you access to more than 600 VIP lounges across the world at all the leading airports. Rest, relax and freshen up in between your travels no matter which airline or class you fly. Lounge charges will be applicable. Also get VISA lounge privileges that includes 2 free lounge accesses every calendar quarter at the participating lounges.

    Golfing privileges:

    Spend more than a lakh on your ICICI Bank Sapphiro VISA credit card and get one round of golf complimentary the next month.

    Entertainment privileges:

    Get invited to exclusive movie screenings. Plus, when you book your movie tickets on bookmyshow.com, you can avail of 1 free ticket any day of the week. In a month, you can avail of 2 tickets worth Rs. 400 per ticket.

    Culinary treats:

    Dining out is more satiable with a minimum of 15% off on your bill at any of the participating restaurants.

    Fuel surcharge waiver:

    Fill up your tank at any petrol station to receive a 2.5% fuel surcharge waiver. Valid on transactions up to Rs. 4,000.

    i-Assist:

    Your personal concierge at your service 24/7 to take care of all your needs. i-Assist can help you make hotel, restaurant, travel and car rental bookings. It will also give you hotel, restaurant and flight referrals. Get flowers and gifts delivered to your loved ones. Even avail of emergency medical privileges and auto assist in India.

    Features:

    Chip and PIN enabled:

    The ICICI Bank Sapphiro VISA credit card is embedded with a microchip which enhances the security of your card. It gives you additional protection against duplication and counterfeiting. Plus, the added layer of the Personal Identification Number will ensure each transaction is verified by you.

    Interest-free credit period:

    Get 18 to 48 days time to pay your credit card bill. Every time you pay your bill in full, a fresh interest-free period will begin. You can completely avoid interest charges by clearing all statements in full.

    Attractive interest rates:

    Interest rates on your credit card purchases can be as low as 1.25% per month. Upon defaults and other negative issues, the maximum interest you can incur is 3.50% per month.

    Counterfeit card liability:

    With this feature, you will be protected against misuse or fraudulent transactions on your credit card.

    Internet banking:

    Manage your account easily and conveniently online. Carry out a number of transactions including paying your credit card bill through the Internet banking facility.

    Mobile banking:

    ICICI Bank has a mobile app to facilitate easy banking on the go. Customers can download the app from the App Store and the Google Play Store. Alternatively, ICICI Bank also provides SMS banking facilities.

    Important Fees and Charges:

    ChargeAmount
    Joining FeeRs.6,000
    Annual FeeRs. 3,500 (waived if more than Rs. 5 lakh is spent in the previous year.)
    Supplementary Card Nil
    Interest on extended credit or overdue interest3.40 % per month (40.80% per annum)
    Cash advance transaction chargeRs. 300 or 2.5% of transaction amount, whichever is higher.
    Interest on cash advance3.40 % per month or 40.80% per annum.

    Related Fees and Charges:

    ChargeAmount
    Card replacementRs.100
    Chargeslip requestRs.100
    Reward redemptionRs. 99 + service tax is levied for handling and courier
    Cash payment at bank branchRs.100
    Cheque or cash pick upRs.100
    Outstation cheque processing charge1% of the cheque amount, subject to a minimum Rs. 100,
    Cheque return2% of the total amount payable, subject to a minimum of Rs. 250.
    Auto-Debit return feeRs. 250 or 2% of the total amount payable, whichever is higher
    OverlimitRs. 500 or 2.5% of the overlimit amount, whichever is higher
    Dial a loan transaction feeRs. 300 or 3% of the amount, whichever is higher
    Fuel surcharge2.5% of the transaction amount or Rs. 10. Waived on transactions up to Rs. 4,000.
    Surcharge on railway booking1.80% of the transaction amount for online bookings. 2.5% for any other booking.
    Service taxService tax is charged at 12.36%. Applicable on interest, fees, surcharge and other fees.

    Late Payment Charges:

    Total Amount DueCharges
    Rs. 0 - Rs. 99Nil
    Rs. 100 - Rs. 500Rs.100
    Rs. 500 - Rs. 10000Rs.500
    Rs. 10000 - Rs. 20000Rs.600
    Above Rs. 20000Rs.700

    Eligibility:

    This card is on offer to select customers of ICICI Bank. ICICI Bank reserves the right to offer this card to customers of its choice at its sole discretion.

    ICICI Bank Sapphiro credit card FAQs:

    1. When will I receive my welcome offer of the Bose Headphones?

      After you pay the joining fee of Rs. 6,000 for the ICICI Bank Sapphiro credit card, you will receive the complimentary set of Bose IE2 Audio Headphones within 30 days.

    2. How safe is it to use my credit card for online transactions?

      Your credit card has been enabled with a microchip and the PIN which is required at any merchant outlet. For online transactions, you need to register for 3D Secure, also known as Verified by VISA to ensure that your online transactions are safe and verified by you.

    3. What happens if I default on my credit card payments?

      When you default on a payment, you automatically incur penal charges. Depending on the amount you owe the bank, the penalty will be levied. Apart from this, your interest rate can be raised up to 3.50% per month. If you continue to default on your credit card, ICICI Bank will have to follow protocol and report you to CIBIL. This will affect your credit score.. Ensure you pay at least the minimum due to avoid these consequences.

    4. What are the ways to pay my ICICI Bank Sapphiro credit card bill?

      The following are the ways to pay your ICICI Bank Sapphiro credit card bill.

      • Drop a cheque or a DD off at any ICICI ATM or bank branch
      • Pay in cash at any ICICI Bank branch.
      • Request that the bill amount be automatically debited from your ICICI Bank account
      • You can access your account through online or mobile banking and pay your bill through your ICICI Bank account.
      • You can use “Click to Pay” or NEFT to pay your bill through any other bank account.
      • You can also call customer care to pay your credit card bill by providing them all the necessary information.

    5. How do I get my ICICI Bank Sapphiro credit card replaced?

      If your card is lost, misplaced or damaged, kindly request for a new card through the ICICI customer care service, Internet banking or at the Bank branch. The old card will be blocked and a new one will be issued. The replacement card costs Rs. 100 and will reach you within 7 working days.

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