ICICI Bank Exclusive Sapphiro Credit Card: A High-End Card for the High Earners

In today’s world, however, credit cards are more than just a means to make payments

Each one can be so much more than just another card – they can be a doorway to your exclusive lifestyle with rewards like cashback, reward points, dining discounts, travel benefits and much more. In the world of premium credit cards, the ICICI Bank Sapphiro Credit Card makes a statement in style for people who want lifestyle and financial benefits at every step.

From international lounge access to golf and other luxury indulgences, The ICICI Sapphiro Credit Card is created to offer an elite class to frequent flyers or movie buffs or restaurant goers. Lets now explore the interesting features, benefits and experience this ICICI Bank Sapphiro Credit Card provides in detail below here, in this Review.

What is the ICICI Bank Sapphiro Credit Card?

ICICI Bank Sapphiro Credit Card: This premium credit card is specially designed for those who live life in style. This is one of the cards offered by ICICI Bank which satisfies the elite class. A card for those who love to live luxuriously through travel and entertainment, this card has unique benefits that set it apart as a great addition to the wallets of those who spend on lifestyle experiences, like travel, dining and entertainment.

So, whether you want to get some reward points or you want to indulge in luxurious travel or want special rates at dining outlets, this card caters to everything. In addition to a premium on the experience, cardmembers also earn some strong insurance benefits and a couple points for any domestic and international usage.

Special Highlights of the ICICI Bank Sapphiro Credit Card

Reward Points System

Points Asusage: Get 2 points per ₹100 on domestic retail spends (except fuel) and 4 points per ₹100 on international retail spends. For Some Categories (like utility and insurance): 1 Reward Point per ₹100 spent on the card.

Point Redemption: The collected points can be used to redeem a bevy of rewards such as cashbacks, air miles, gift vouchers and merchandise. Reward points are worth 0.25 for hotel trangsactions and eviction travel redemptions and `0.10- for all other prodouct.

Travel Benefits

For a frequent traveler, The Sapphiro Credit Card is tailor made and comes with host of benefits. The card’s travel perks are some of the most generous:

• Lounge Access: Sapphiro card provides 4 free domestic lounge access per quarter. You also receive 2 international lounge visits each year as a member of Priority Pass.
  
  
• Golf Privileges: Card members can enjoy 4 complimentary rounds of golf per year at a number of golf courses. This membership is ideal for the golf lover who wants to combine their passion with travel. Furthermore, the card provides free golf lessons to anyone wishing to up their game.
  
  
• Priority Pass Membership: Cardholders get a Priority Pass membership that offers access to over 1,400 airport lounges in over 145 countries. This is an amazing benefit for individuals who travel frequently and like to get comfortable before their flight.
  
  

Dining Privileges

Here is a list of favourites for the food lovers, wow!

• Dining Discounts: You can now avail exclusive dining discounts at partner restaurants in India with your card. Cardholders will receive exclusive benefits at some of the city's best restaurants, making it perfect for gourmands.
  
  
• Movie and Entertainment: It’s not just dining, the card provides perks for entertainment as well. Those who often frequent the cinemas or live shows, can avail discounts on booking tickets via BookMyShow.
  
  

Welcome Benefits

ICICI Sapphiro Credit Card Review - Welcome benefits (Make the card instantly more valuable) The welcome benefits on the ICICI Sapphiro Credit Card are enticing:

• Welcome Vouchers: New cardholders can get welcome vouchers worth more than ₹9,000 when they sign up, including:
  
  
• ₹3,000 Tata CLiQ vouchers
  
  
• ₹1,500 Croma voucher
  
  
• ₹1,000 Uber vouchers
  
  
• ₹4,000 worth of EaseMyTrip vouchers
  
  

They can be used on selected games can be purchased for use at top retailers, which is a nice extra to the welcome bundle.

Insurance Coverage

Here are the various insurance covers offered by ICICI Sapphiro Credit Card to further safeguard the interests of its customers:

• Air Accident Insurance: This offers cardholder coverage of up to ₹3 crore in case of an air accident.
  
  
• Purchase Protection: Your eligible purchases are covered against theft, damage, or loss.
  
  
• Credit Shield Cover: In the event of accidental death, the cardholders are given credit shield cover of up to ₹50,000 to settle any unpaid due on the card.
  
  

These insurance covers along with host of benefits offered by other airline partners, make the ICICI Sapphiro Credit Card financially secured and robust.

Where the ICICI Sapphiro Credit Card Scores Above its Competitors

Among the other choices for premium credit cards in the market, the ICICI Sapphiro Credit Card has a good combination of rewards, lifestyle and travel benefits as well as exclusivity. Reasons it's exceptional include:

• Welcome and Milestone Benefits that you can't Resist: The Sapphiro card packs, ₹9,000 vouchers and fabulous incentives to take your shopping to the next level.
  
  
• Luxury Travel Perks: Exclusive benefits such as access to Priority Pass lounges and golf privileges distinguish this card from those that don’t include luxury perks for each luxury traveler.
  
  
• Low forex markup: A lot of credit cards levy a very high forex markup fee on international spends, but ICICI Sapphiro card applies a comparitively very reasonable 3.5% markup fee which is very reasonable for international travellers.
  
  
• High Reward Points Earning Potential: For those who are spending high, the card gives you the potential to earn 4 reward points for every ₹100/- you spend in international transactions, which means you stand a high chance of earning reward points for overseas spends.
  
  

Eligibility and Application Process

Eligibility Criteria to Apply for ICICI Sapphiro Credit Card

For the ICICI Sapphiro Credit Card you need to fulfill the following eligibility parameters:

• Age: Applicants should be 21 to 65 years of age.
  
  
• Income:
  
  
• Employees should have at least ₹75,000 salary every month.
  
  
• Self-employed workers should earn a minimum of ₹9 lakh annual.
  
  

The ICICI Sapphiro Credit Card is great for high spenders who travel a lot or live a lavish lifestyle.

Final Thoughts: Is the ICICI Sapphiro Credit Card for You?

The ICICI Bank Sapphiro Credit Card is perfect for people who like to enjoy the best things in life. From free lounge access and top golfing privileges to premium travel rewards and a highly rewarding points program, this card was designed for high-end users in search of a luxury credit card experience.

The ICICI Sapphiro Credit Card can be valuable for frequent travelers, big spenders at restaurants, and those who prefer luxury experiences and this is because of the rewards offered, milestone benefits and premium privileges on the card. However, the high joining fee and annual fee of the card could make it less worthy for those who don’t intend to utilize the card benefits heavily.

Bottom Line - ICICI Sapphiro Credit Card

ICICI Sapphiro is an ideal card for anyone looking to get rewarded on everyday spend, access some of the premium travel benefits & lifestyle privileges. If you’re able to fully utilize its perks, it can potentially be a strong card to have in your wallet.