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  • ICICI Bank Sapphiro Visa Credit Card

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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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    ICICI Bank Sapphiro Visa Credit Card Reviews

    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI CORAL credit card and got a good credit limit from the bank. There is no offers. They are not charging annually which am happy. I use this card for multi purpose. The payment mode is easier to pay the outstanding balance.
      Was this review helpful? 2
      , visakhapatnam
      Reviewed on Sep 17, 2019
    • ICICI Bank
      ICICI Bank Credit Card
      "Convenient card"
      0.5 5.0/5 "Blown Away!"
      I am having an ICICI credit card and they have provided me a credit limit of 50K. I did not find any difficulty in using the card. The customer service was very good. I never done EMI conversion but it has an option for it. Its been more than 5 years. There is no restrictions, I can use this card for shopping, purchasing textiles, restaurants,fuel also.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 17, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I hold ICICI credit card and its been a good experience. The credit limit is pretty decent and the services are very good. I have just recently taken through online. The annual fee is not applicable. I have not received any notification regarding the offers. The process was pretty quicker for getting the card when compared with others.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 16, 2019
    • ICICI Bank Credit Card
      "Fantastic premium travel card"
      0.5 5.0/5 "Blown Away!"
      ICICI is a good card to use and it has a lots features like unlimited spa at airport and unlimited airport launch access in domestic and international. On my birthday, they have given the voucher of Rs. 7500 for having my birthday party at Trident hotel and unlimited wifi access in the airport. I got the limit of more than Rs. 8 lakhs.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 16, 2019
    • ICICI Bank Credit Card
      "Okay"
      0.5 4.0/5 "Great!"
      The credit limit is average on ICICI Bank credit card. Its been almost 5years and have never approached the credit limit enhancement also they haven't done it. The customer service is good. The annual fee is applicable and I have to pay Rs.500. Its just a basic card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 16, 2019
    • ICICI Bank Credit Card
      "Need to increase the limit"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI BANK credit card recently and its good. The credit limit is very very less only and it would be appreciable if they can increase my limit so that I can use this card frequently. The annual fee is not applicable. There is no hidden charges and the payment mode is easier.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 16, 2019
    • ICICI Bank Credit Card
      "Need to provide more offers "
      0.5 3.0/5 "Satisfactory"
      I am using ICICI platinum credit card for more than a year which was processed through a bank directly. It is a life time free credit card. The credit limit is sufficient before, easy to do pay for an online usage and EMI option was applicable. I use for shopping, movie purposes. In this card there is no much offers.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 15, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am holding ICICI bank coral credit card for more than 2 years where they given for a low limit of 35 thousands till not enhanced for further. It is a life time free credit card. EMI option was applicable and charges are nominal. I use for fuel and shopping purpose.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 14, 2019
    • ICICI Bank Credit Card
      "Very Friendly card"
      0.5 4.0/5 "Great!"
      ICICI bank credit card is linked with my salary account hence they have provided me a zero annual fee credit card. I am getting the benefits of ticket booking, cashbacks and others. They have a rewards points system of paybcks which i can convert into cash.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 14, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank customer service is available on 24/7 days, I am using this ICICI bank credit card from past three years, EMI option are available its an life time free credit card, credit limit is good, cash back offer and movie ticket offers are good.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 13, 2019
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using ICICI Bank credit card which was directly taken through Bank .I am using this credit card for the past 3 years .I have got a very good credit limit and got all the required information about the card process This was a free card .I have not used and checked cash back offers and reward points .
      Was this review helpful? 2
      , surat
      Reviewed on Sep 13, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am having ICICI Amazon credit card where there are cash back offers based on my purchase amount in Amazon website they are giving 3% of cash back from my purchase amount and if I am a prime member then I get flat 5% cash back on amazon pay but for the EMI options there are no cash back and reward points applicable.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Sep 12, 2019
    • ICICI Bank Credit Card
      "Good"
      0.5 3.5/5 "Pretty good"
      I am holding ICICI credit card where the I was given good limit, offers are available, using Bank bazaar service from past 3 years, EMI options are available by calling customer care and they have charging processing fee of 2% and flat interest rate of 13%
      Was this review helpful? 1
      , hyderabad
      Reviewed on Sep 12, 2019
    • ICICI Bank Credit Card
      "Best card in the market"
      0.5 4.0/5 "Great!"
      I am having Coral on American express card from ICICI bank. I used the credit card for mostly on online website. I need to pay the annual fee on this card but the card features are really good. i am holding this credit card for a while and i'm satisfied with the services.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 12, 2019
    • ICICI Bank Credit Card
      "Good in the market"
      0.5 4.0/5 "Great!"
      I get offer on flight tickets booking, movie tickets booking and on petrol 1% sur charges waiver, makemytrip offers. I am holding the ICICI credit card for last 1 month and the provided limit is better than other credit card. Its a life time free credit card and i am not yet received a first month bill and they have dispatched the card as per their promised time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 12, 2019
    • ICICI Bank Credit Card
      "Worst service"
      0.5 2.0/5 "Expected more"
      I have a credit card from ICICI. Every day i receive a call from customer care and they will inform about the offers. I'm receiving a messages also regarding that. When i apply those offer in online, it will show that "its not applicable or else i do not have any offer". More than 2 years, i am utilizing the card benefits.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2019
    • ICICI Bank Credit Card
      "Need to prrovide reward points and cash back"
      0.5 4.0/5 "Great!"
      I am using ICICI bank coral credit card for more than 3 years which was applied directly to bank. It is a life time free credit card but the limit which was given for a low of 30 thousands only not yet enhanced. EMI options are nominal for this card. It is useful book my show so I get one free ticket based on the usage I have not get points yet.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 11, 2019
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have ICICI Bank credit card which was directly taken through Bank .I am using this credit card for the past 2 years .This is a free card and i have got the credit card on time without any hassle .The credit limit was really good and satisfied according to me .There are good reward points as well as cash back offers .This card is very comfortable to use and easy to access .
      Was this review helpful? 0
      , indore
      Reviewed on Sep 11, 2019
    • ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have taken ICICI bank make my trip credit card for more than 8 months which was processed through bank directly. On time I received a card and it was a life time card and the credit limit is sufficient, for this card some charges are applicable and it is nominal. I use this card for travel purposes.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 11, 2019
    • ICICI Bank Credit Card
      "Need overall improvement"
      0.5 2.0/5 "Expected more"
      I have coral card its not that much worthy, we won't get any offers from their end but initially they told many things but after received my card it took 2 weeks to activate, the customer care is also not upto the mark finally I went to the bank and the charges are more on the daily basis for credit transactions.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 10, 2019
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