Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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
    Credit Card BYTES FROM OUR KITCHEN

    ICICI Bank Sapphiro Visa Credit Card

    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.

    ICICI Bank Sapphiro Visa Credit Card Reviews

    • ICICI Bank Credit Card
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I have taken ICICI bank Coral credit card.They had offered a limit of 50,000 i closed the card because of the charges and i am not okay to hold multiple cards as i don't have control on my transactions.I feel the other cards do have better benefits than this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 22, 2018
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have a credit card with ICICI bank from last 2 years, i find this credit card is very convenient to use. They did not charge any annual fee at the time of getting this credit card. I did not find any good offers in this credit card. I use net banking for making payments and there are no payment issues. I have a credit limit of Rs 80000 which is sufficient for this credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 22, 2018
    • ICICI Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with ICICI bank from last 10-12 years, the credit card services are pretty good when compared to all other credit cards. There is no annual fee charged for this credit card. I have coral card so i get offers like buy 1 get 1 movie tickets. I have a credit limit of Rs 2 lakhs and the cash limit of Rs 80000 in this credit card.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jan 22, 2018
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have got the ICICI bank coral visa credit card around a year ago . The customer support service is good with the ICICI bank. I have got good credit limit value with this card and they have offered me a higher credit limit to this card and I am satisfied with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 22, 2018
    • ICICI Bank Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I am not using the ICICI bank ICICI FERRARI PLATINUM CREDIT CARD at present, because I have got the other cad which has the same credit limit value with the ICICI bank itself, so that was the reason I have closed the ICICI FERRARI PLATINUM CREDIT CARD credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 22, 2018
    • ICICI Bank Credit Card
      "Excellent banking"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with ICICI bank.The limit on the card is one lakh,i have been holding the card for last 11 years. I have no annual fees to hold this card.Net banking is user friendly.I am very much satisfied with the service of the bank.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2018
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card of ICICI bank.The limit on the card is 50,000 I don't have to pay an annual fees to use this card.I got many offers and reward points for every purchase,the banks service is excellent as compared to others. Net banking is also equally good.
      Was this review helpful? 0
      , greater noida
      Reviewed on Jan 22, 2018
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I have been using the ICICI bank platinum chip credit card for past 7 months. I am satisfied with the credit limit value with this card. The customer support is good wit the ICICI bank credit card department. I use this card for all kind of purchase and for other bill payments.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2018
    • ICICI Bank Credit Card
      "Very Good"
      0.5 5.0/5 "Blown Away!"
      I have applied for credit card of ICICI and received ICICI FERRARI PLATINUM CREDIT CARD with the limit of rs25,000. But my expectation was rs 80,000 to rs1,00,000. Card was delivered within the promised date. I would like to increase my credit limit and more would be happy if that happens at the earliest.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2018
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I have my credit card approved by ICICI bank and my experience was good, I have a credit limit of Rs 50000 with the cash limit of Rs 10000 but i expected Rs 1 lakh for this credit card. The process was smooth and i received my credit card within 2 weeks. I am not aware of any offers in this credit card. Customer service was good and they collected documents on time. I use this card for multi purpose.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 22, 2018
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I use the ICICI bank platinum chip visa credit card . The customer support is good with the ICICI bank. I use this card for shopping, fuel , online shopping, restaurants, and for other usages . I am satisfied with the credit limit which was offered by ICICI bank platinum chip credit card.
      Was this review helpful? 0
      , greater noida
      Reviewed on Jan 22, 2018
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I have the ICICI bank coral credit card for more than 2 years. I use this card for all kind of purchases , shopping, dinning , fuel , restaurants, online shopping. The benefits like reward point cash back offers and other offers are available with this card. I am satisfied with the credit limit.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 22, 2018
    • ICICI Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      The online net banking application is user friendly with Icici credit card department and the credit limit they quoted me was good. I feel the rate of interest and charges was good with Icici credit card department. It was an good experience with Icici credit card department.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 22, 2018
    • ICICI Bank Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      It was the best experience with Icici credit card department. They provide me with good offers and benefits. The customer support was good with Icici but I am not much satisfied about the credit limit offer by Icici. It is an average service from Icici credit card department.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 22, 2018
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have received this like a month before. Card looks really good, limit given to me is also satisfactory. Have received ICICI visa credit card. Waiting for my first month bill, to check any hidden nor extra charges are made to my card. Very friendly card to use.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2018
    • ICICI Bank Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have a Visa coral card of Icici. The service rendered by ICICI bank is really good. But the process was little slow but the offers and benefits were good with ICICI. The customer support was good,it was totally a good experience with Icici coral credit card department.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2018
    • ICICI Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      The service provided by ICICI bank is good and the credit limit they quoted me was 50k which was fine for me. I use Icici fuel card and rate of interest and charges were fine with Icici. The customer support is prompt. It was totally a good experience with Icici credit card department.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 22, 2018
    • ICICI Bank Credit Card
      "Better service"
      0.5 4.0/5 "Great!"
      My credit card was taken with ICICI bank 4 months back. I hold a coral International card and the credit limit was 45,000 which is satisfactory . The customer service and responses was up to the mark. The validity of the card is up to 2024 and I have 24/7 helpline number.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 20, 2018
    • ICICI Bank Credit Card
      "Better"
      0.5 3.0/5 "Satisfactory"
      I had the ICICI bank credit card and I have not used it , then I have too many to use. I would like to say that the credit limit value was pretty lesser one for me with them like it was around 16000 Rupees to 21000 Rupees. I am happy with them till now.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Jan 20, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      ICICI has offered me Coral Card and recently it was upgraded to Ferrari credit card. The credit limit was not satisfactory, I requested them to increase my credit limit. There is no annual charge. I am getting reward points. I have been using the card for 2.5 years approximately.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 20, 2018
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