InterMiles ICICI Bank Sapphiro Credit Card – The Ultimate Travel Partner Combining Luxury and Reward Benefits

Today, credit cards are not simply payment mediums; they are the gateways to a world of rewards and lifestyle benefits and privileges. When it comes to the premium credit cards offered in the market currently, the InterMiles ICICI Bank Sapphiro Credit Card is one of the most suitable options for those who are frequent flyers or travel enthusiasts or those looking for luxury. With this card, enjoy a host of unique benefits ranging from earning InterMiles on every purchase, to exclusive travel privileges, lifestyle offers and much more.

In this post, we will do a comprehensive review of the InterMiles ICICI Bank Sapphiro Credit Card covering all its features, benefits, rewards program apart from our take on who should hold this card. Read below to learn more and see how this card can help fatten your travel points balances and improve your travel and lifestyle experience.

InterMiles ICICI Bank Sapphiro Credit Card Snapshot

Pros and Features of the InterMiles ICICI Bank Sapphiro Credit Card

The InterMiles ICICI Bank Sapphiro Credit Card is a premium travel rewards card that comes with features such as exclusive rewards, travel privileges, and dining privileges. Made for travelers, lovers of the good life and the merely loaded, this card offers a great mix of rewards and elite travel.

Though issued in association with InterMiles, the loyalty program of Jet Airways, the card lets you earn InterMiles on all your spends. You can then redeem these miles for flight bookings, hotel reservations, shopping, and a whole lot more, which means there are countless ways to make your money go further.

Vital Features of the InterMiles ICICI Bank Sapphiro Credit Card

Let’s start by taking a quick look at the main features of InterMiles ICICI Bank Sapphiro Credit Card before discussing the benefits in detail.

Joining Fee and Renewal Fee

• Joining Fee: ₹5,000 + GST
  
  
• Renewal Fee: ₹5,000 + GST (Reversed if annual spends exceed ₹3 lakh in the previous year)
  
  
• Add-on Card Fee: ₹250 (per add-on card)
  
  
• APR (Annual Percentage Rate): 42%
  
  
• Interest Rate: 3.50% per month
  
  

The fees are higher relative to others, which is in line with being a premium card, but the rewards and benefits compensate it more than enough.

InterMiles ICICI Bank Sapphiro Credit Card Benefits and Rewards

Here are some of the major benefits of this credit card:

Earn InterMiles on Every Spend

Most attractive in the InterMiles ICICI Bank Sapphiro Credit Card would be the offer to earn InterMiles on all your spends. These miles can be earned and used for flights, hotel stays, shopping and other purchases. The earning hierarchy has been established to reward spend on both domestic and international purchases.

• 5 InterMiles for every ₹100 spent on domestic spends
  
  
• 7 InterMiles / ₹100 on transactions outside of India
  
  
• 12.5 InterMiles on ₹100 spent on Etihad Airways bookings
  
  

Booking Category Normal rate of earnings InterMiles New Rate of Earnings
Flight/Hotel For every ₹100 on flight/hotel booking via the InterMiles portal 10 InterMiles.
Hotels.com, Homes, etc. 2 InterMiles for every ₹100 spent on Hotels.

These returns are much closer to the average point return rate that other credit card companies offer, which is what makes this card such a great option for the frequent traveler and every day shopper looking to get the most out of their card.

Welcome Benefits and Bonus InterMiles

As a new cardmember, you can expect to receive a variety of welcome benefits that make the card even more desirable. When you pay your fee to join you'll get:

• Welcome bonus: 10,000 InterMiles
  
  
• ₹750 off on flight bookings on the InterMiles portal
  
  
• ₹1,500 off on hotel bookings
  
  
• ₹750 OFF On flight and ₹1,500 Off On hotel bookings, With ₹60,000+ spend in 3 months
  
  

These benefits can add a lot to your travel experience, rendering the InterMiles ICICI Bank Sapphiro Credit Card an impactful card from the get go.

Renewal Benefits and Bonuses

Not only do you get joining benefits, you also get enticing renewal benefits with the InterMiles ICICI Bank Sapphiro Credit Card:

• 5,000 InterMiles credited annually
  
  
• ₹500 off on flight bookings
  
  
• ₹1,000 off on hotel bookings
  
  
• Extra ₹5,500 off on flight and ₹1,000 off on hotel bookings per month, once you spend ₹60,000 per anniversary year
  
  

These renewal benefits ensure that the value offered on your InterMiles ICICI Bank Sapphiro Credit Card lasts beyond first year.

Complimentary Lounge Access

The free access to lounges will be highly valued by the frequent travelers to be availed through InterMiles ICICI Bank Sapphiro Credit Card. With this card, you can get access to:

• 2 complimentary domestic lounge passes each year (1 for each consecutive quarter)
  
  
• 2 complimentary international lounge entries annually on DreamFolks membership
  
  

So being able to kick back, snack on some free food and drink and generally have a better airport experience is a massive perk of access to a lounge.

Exclusive Golf Privileges

For those who are fond of golf – InterMiles ICICI Bank Sapphiro Credit Card also gives you exclusive Golf benefits:

• 1 free game of golf for every month when spend ₹50,000 previous month
  
  

This is a solid benefit for cardholders who love to golf and makes the card a strong choice for anyone looking to marry their love for the sport with the rewards of a travel credit card.

Fuel Surcharge Waiver

If you often travel by car, you may like the fuel surcharge waiver that the InterMiles ICICI Bank Sapphiro Credit Card provides:

• 0.5% fuel surcharge waiver on transaction between ₹500 & ₹4,000
  
  
• Up to ₹250 will be waived off per statement cycle
  
  

This advantage saves you money on fuel costs, and makes it cheaper to drive a car.

Concierge Service

Benefits of InterMiles ICICI Bank Sapphiro Credit Card Below is the list of benefits of the card:

• 24/7 Concierge Service: Offers you assistance in the following areas:
  
  
• Making travel arrangements
  
  
• Purchasing tickets for events or experiences
  
  
• Arranging gift deliveries
  
  
• Handling personal requests
  
  

This concierge service offers cardholders an additional level of comfort and ease as well as luxury.

Insurance Coverage

Cardholders are further offered complete insurance on the InterMiles ICICI Bank Sapphiro Credit Card to add to their safety and peace of mind:

• Purchase protection for eligible items
  
  
• Credit shield on accidental death of cardholder
  
  
• Flight delay, loss of baggage, and medical emergency travel insurance
  
  

This coverage benefits will allow you to be secure in any cases when you are shopping, while on the road, or confronted with a sudden situation.

How Does the InterMiles ICICI Bank Sapphiro Credit Card Compare to Other Premium Travel Cards?

In comparison to other premium travel cards, the InterMiles ICICI Bank Sapphiro Credit Card really shines with its rewards program and all-around offering of benefits. For every flight you book over the phone or via make my trip, 2 InterMiles for every 100 spent for flight tickets At 1000 InterMiles you can get a Makemytrip voucher of INR 250 – a return of 2.5% for normal expenses, which can be better in value with card offers such as “5x rewards”, “5% on flight booking” etc.

What is interesting about this card is that it offers a its set of gift vouchers similar to that of Regalia and thus can be a major contributor on NonBonus spend (i.e until you get in to Diners Club Black grade)

Vouchers include – MMT card worth 12000, statement credit and various merchant gc

The above mentioned spend for all 3 below voucher is 10L (10000 InterMiles)

HDFC Regalia vs InterMiles ICICI Sapphiro vs Yatra SBI Card

HDFC regalia (Click to see the latest offer) – Regalia now comes with a LTF variant as well, that’s even more interesting!

But what really makes this card unique is its high InterMiles earn rate, especially on flights and hotel stays. And, I mean the 12.5 InterMiles per ₹100 for spend on Etihad Airways bookings makes it obvious choice for those who fly with Etihad.

Final Thoughts

InterMiles ICICI Bank Sapphiro Credit Card is an excellent card for the ones who prefer rewards, luxury, and travel benefits. Whether you are always on the go, a lover of a good round of golf or have expensive taste in lifestyle perks this card is for you. This card, with a great rewards program, free lounge access, insurance and offers on restaurants and travel is an an excellent addition any wallet.

If you are after a credit card that fits your travel and lifestyle requirements the InterMiles ICICI Bank Sapphiro Credit Card could be the one for you. From its lucrative perks to its generous rewards structure, this card turns every purchase into a more rewarding and fun experience.