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    ICICI Bank Sapphiro Visa Credit Card Reviews

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    ICICI Bank Sapphiro Visa Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

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    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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