Card Review
ICICI Sapphiro Review: Is It Worth It for Travel Rewards in 2026?
Strong Travel card earning 4 points per ₹100 on online, with ₹3,500 annual fee.
Fees & Eligibility
ICICI Sapphiro fee structure and eligibility
| Detail | Value |
|---|---|
| Annual fee | ₹3,500 |
| Joining fee | ₹6,500 |
| Welcome bonus | None |
| Milestone bonus | 4,000 points on ₹4,00,000 annual spend |
| Eligibility tier | Premium income (₹12-24L/year) |
Earn Rates
ICICI Sapphiro earn rates by spend category
| Category | Earn Rate |
|---|---|
| Travel | 2 points per ₹100 |
| Dining | 2 points per ₹100 |
| Online | 4 points per ₹100 |
| Retail | 2 points per ₹100 |
| Fuel | 1 points per ₹100 |
| Other | 1 points per ₹100 |
iShop accelerated rates
| Category | Portal Rate |
|---|---|
| Travel | 6× via iShop |
| Hotels | 12× via iShop |
| Technology | 6× via iShop |
Strengths
What ICICI Sapphiro does well
- Solid earn rate: 4 points per ₹100 on online spends
- 2× points on all retail spends; 4× on international
- 6× points on travel & tech via iShop portal (cap 9,000 pts/month)
- 12× points on hotel bookings via iShop
- 4,000 bonus RPs on ₹4 lakh annual spend
Weaknesses
Where ICICI Sapphiro falls short
- Poor fuel earn rate — not suitable as a primary fuel card
- Limited transfer partner options — less flexibility for award bookings
- Earn rate is capped — points earning limited per billing cycle
ICICI Sapphiro earns across multiple reward programs. Pick your destination and see what your points unlock.
FAQ
ICICI Sapphiro frequently asked questions
What is the annual fee for ICICI Sapphiro?
ICICI Sapphiro has an annual fee of ₹3,500 with a joining fee of ₹6,500.
What are the best spend categories for ICICI Sapphiro?
ICICI Sapphiro earns the highest rewards on online spends at 4 points per ₹100. 2× points on all retail spends; 4× on international.
Who should get the ICICI Sapphiro card?
ICICI Sapphiro is best suited for travel and dining spenders. Premium income (₹12-24L/year).
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