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Criteria Details
Occupation Salaried or Self-employed
Minimum Income for Salaried Rs 80,000 per month
Minimum Income for Self-Employed Rs 83,333 per month
Serviceable Cities Click here for the list of eligible cities
  • Applicants will be required to submit proof of identity, proof of address and proof of income, along with the duly filled application form for ICICI Bank Credit Cards. Given below is the list of acceptable documents in each category.
  • Proof of Identity
    • PAN Card
    • Aadhaar card
    • Driver’s License
    • Passport
    • Voter’s ID
    • Overseas Citizen of India Card
    • Person of Indian Origin Card
    • Job card issued by NREGA
    • Letters issued by the UIDAI or any other government approved photo ID proof
  • Proof of Address
    • Aadhaar card
    • Driver’s License
    • Passport
    • Utility Bill not more than 3 months old
    • Ration Card
    • Property Registration Document
    • Person of Indian Origin Card
    • Job card issued by NREGA
    • Bank Account Statement or any other government approved address proof
  • Proof of Income
    • Latest one or 2 salary slips (not more than 3 months old)
    • Latest Form 16
    • Last 3 months’ bank statement


As per the guidelines of RBI, issuance of new credit cards on MasterCard platform has been discontinued until further notice. Normal card services will continue for existing users. ICICI Bank will continue to issue the Visa variant of this card.

Your ICICI Bank Credit Card entitles you to earn Reward Points on your transactions. ICICI Bank Rewards Programme, India’s largest Reward Programme, has powered ICICI Bank Rewards to bring you a suite of exciting rewards from your everyday spending.

 You not only earn Reward Points when you use your ICICI Bank Credit Card, but also earn additional points from ICICI Bank Rewards Partner Brands for the same purchase.

 You can redeem your Reward Points from many options – from movie and travel vouchers to lifestyle products, mobiles, appliances and more. With your ICICI Bank Credit Card and Reward, shopping is truly rewarding!

Earn bonus rewards of up to 4 Reward Points on every Rs. 100 spent

Spend Category Reward Points on the
ICICI Bank Sapphiro Visa Credit Card
(per ₹ 100 spent)
Domestic spends
(except fuel)
International spends 4
  • Under the new Milestone Rewards program, get 4,000 Reward Points on spending Rs. 4,00,000 on your card and 2,000 Reward Points each time you cross Rs. 1,00,000 spend thereafter in an anniversary year; maximum of 20,000 Reward Points per year.
  • Get 1 Reward Points on every Rs. 100 spent on utilities and insurance categories.

To redeem your Reward Points:

To redeem your Reward Points in cash To redeem your Reward Points for gifts
Each Reward Points is equivalent to Rs. 0.25. Please call on 080-40146444* to redeem. The equivalent cash amount will be credited to your credit card account within 7 working days. Please call Reward on 1860-258-5000*. You will receive the gift of your choice within 10 working days**.

*Standard call charges apply

**Rewards are subject to availability

Discover how your ICICI Bank Sapphiro Credit Card can deliver savings of Rs 1,95,030 every year.

Feature Savings (in Rs)
Annual Membership of Dreamfolks Programme (USD 99)# 6,930
2 complimentary visits to international airport lounges 3,000
2 complimentary spa sessions at airports in India 1,500
Complimentary access Visa Lounge* 16,000
2 complimentary movie/theatre/sports events/music events tickets every month with 'Experience Entertainment** 12,000
Access & complimentary rounds at premier golf courses in India and abroad*** 1,40,000
Cash rewards on annual spend of Rs 5,00,000 on domestic purchases## 3,500
Cash rewards on annual spend of Rs 5,00,000 on international purchases### 7,500
Milestone rewards on a spend of Rs 10,00,000 4,000
Waiver of 1% fuel surcharge on Rs 5,000 spent every month on fuel**** 600
Total Savings 1,95,030

#For calculation 1 USD = Rs 70.

## This is based on the assumption that the cardholder will spend 10% of the total spending on utilities and insurance. On these categories, one Reward Points is accrued on per Rs 100 spent on card. The cardholder receives 2 Reward Points for all domestic purchases, except fuel on ICICI Bank Credit Card ##The cardholder receives 4 RewardPoints for international purchases on ICICI Bank Visa Credit Card.

*This is based on the assumption that the cardholder is visiting Visa lounge 4 times in a quarter. This includes only access to the lounge.

**A maximum of two tickets per month and the ticket price not exceeding Rs 500 per ticket through . The actual rate of ticket may vary for every movie theatre.

***This is based on the assumption that the cardholder is eligible for 20 complimentary rounds in a year based on monthly spends. Cardholder can earn up to 48 complimentary rounds in a year. Complimentary rounds earned based on monthly spends are valid for 60 days from the day it is updated in the customer's Golftripz account.

****1% fuel surcharge waiver is available on all transactions below Rs 4,000. Fuel surcharge waiver is available on fuel purchases at all petrol pumps.

Disclaimer: The above chart is purely for illustration purposes and is merely indicative in nature. The information provided regarding products, services, offers, benefits, reward programmes etc. of ICICI Bank/third party are governed by the detailed terms and conditions, internal policy guidelines as specified by ICICI Bank/third party from time to time and are subject to applicable laws and regulations. Actual benefits/savings/rewards will be based on the total spends on the credit cards and spends on various reward categories by the cardholders. Cardholders are requested to make an independent analysis and their own assessment, evaluation and judgement on the information mentioned hereinabove. The benefits, offers, reward points etc. will be available only on those merchant establishments with whom ICICI Bank and Visa have a tie up.

The information provided hereinabove does not amount to an offer, sponsor or advice as regards to any product or services of ICICI Bank or any of its group companies or third parties and is not intended to create any rights or obligations in this regard. ICICI Bank does not undertake any liability or responsibility for the details, accuracy, completeness, not-errors or correctness of any content or information provided hereinabove. Any dispute or claim regarding the goods, services brought about by the third party must be resolved by the cardholder with the third parties directly without any reference to ICICI Bank.

Popular FAQs

Credit free period of 48 days depends on your statement date.

There is no cap on the number of times the limit can be changed

If you are unable to transact on your credit card, you may call our Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number. To know the local Customer Care numbers, please click here.