ICICI bank Sapphiro credit card: Features, Fees & Benefits

Friends, in this article we will make a detailed discussion about ICICI Sapphiro credit card and analyze all its features and benefits one by one. One thing we want to make clear to you here is that this ICICI Sapphiro credit card is better for those people who travel a lot, whether domestic or international. Along with this, some welcome benefits of this credit card are also very good which are given to you in this credit card.

In this article, we will analyze whether this credit card provides as many benefits as the joining and annual fees of this credit card and should we apply for this credit card and if yes, then who should apply for this credit card or should we ignore its edit card, you are going to get answers to some such interesting questions in this article. Now, we are not going to give you the answers to all these questions out of thin air, but we will reach a decision only after analyzing all its features.

ICICI Sapphiro Credit Card Features And Benefits:

Welcome Benefits:

Now the welcome benefits of this Sapphiro credit card of ICICI Bank are so simple that there is no need to explain them in more depth. We will definitely explain to you the things which are important to understand in more depth about this credit card. Let us take a look at the welcome benefits of this Sapphiro credit card credit card –

1. Among the welcome benefits, the first welcome benefit is that as soon as your Sapphiro credit card is activated, you will get a gift voucher of Rs 3000 from Tata Cliq. Now you can shop with this gift voucher by visiting the official website of Tata Cliq.
2. The second welcome benefit of EaseMyTrip is given to you on this credit card in which you are given four gift vouchers of Rs 1,000 each, that is, in total you get gift vouchers worth ₹ 4000. Now you can book hotels and flights for yourself on EaseMyTrip. But its negative point here is that you cannot avail the discount of this ₹ 4000 voucher on any one transaction.
   • Now as you get four gift vouchers of one thousand rupees each, you can use them in four different transactions. Now if you get a direct discount of ₹ 4000 on any one booking, then perhaps you will be happier than if you get a discount of only ₹ 1000 on any one booking. Now it is not necessary that you are making four separate bookings on. It is possible that you are booking only one flight, in that situation you will be able to use only one gift voucher in which you will get a maximum discount of ₹ 1000 only.
   • The second negative point of this gift voucher is that you can use these four vouchers only for domestic flight booking on EaseMyTrip.
3. Along with this, in this Sapphiro credit card of ICICI Bank, you are given the third welcome benefit in which you are given four gift vouchers, each of which has a value of ₹ 250, that is, you get a total gift voucher of ₹ 1000. Now here too you will have to face problems like the welcome benefit of EaseMyTrip mentioned above because here too you will be able to get a discount of only Rs 250 at a time.
4. Apart from this, you are given the fourth welcome benefit on Croma on this credit card. Here you are given three different gift vouchers, each having a value of ₹ 500, i.e. you are given gift vouchers worth ₹ 1500 in total. Now here too you will have to face the same problem as in your previous two welcome benefits because here too you can get a maximum discount of only ₹ 500 on a transaction. And along with this, another term and condition has been imposed here that to avail each voucher, your minimum transaction value should be ₹ 5000, only then you can get a discount of ₹ 500 on it.

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Dreamfolks Benefits:

Dreamfolks is an Indian company providing airport services. Just as you enjoy their lounges at airports around the world using Priority Pass, similarly Dreamfolks also has lounges available at airports around the world which you can enjoy through Dreamfolks pass. They have mentioned on their website that they have 450 airport lounges in more than 115 countries.

So with the help of this ICICI Sapphiro credit card, you can get access to 2 international lounges throughout the year at any of these 450 airport lounges. Note that here you are not being given any domestic airport lounge access facility. But you can attend two SPA Sessions in a year at some selected airport lounges of Dreamfolks within India.

ICICI Sapphiro Credit Card Airport Lounge Access:

You also get the airport launch access benefit in this credit card. Apart from Dreamfolks, you are also given the facility of airport lounges. In this credit card, you are given four lounge access in one quarter at selected domestic airports. But to avail the benefit of these lounge access, you will have to spend a minimum of ₹ 5000 in the last quarter with your Sapphiro Credit Card, only then you will be able to avail the benefit of these lounge access.

Golf Rounds Benefit:

In this Sapphiro Credit Card of ICICI Bank, you are also given the benefit of golf rounds in which you can avail maximum 4 golf rounds in a month. Now you can access the complete updated list of where you can play these golf games from here.

Now to avail this benefit, ICICI Bank has also put a condition in which if you do retail spending of ₹ 50,000 from your Sapphiro Credit Card in the last month, then only you will be given this four golf rounds games benefit.

Now if we look at it, retail expenditure of ₹ 50000 in a month with just one credit card becomes quite high because many times people are not able to spend even ₹ 50000 in a month by combining both online and retail spendings.

Book My Show Benefit:

On this ICICI Sapphiro credit card, you also get to see very good movie benefits on BookMyShow. Whenever you book movie tickets on BookMyShow with this credit card, you will get a discount of up to ₹ 500 on the second ticket and you can use the benefit twice in a month.

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Now, no matter how good a seat you book for any movie, its maximum value will be around ₹500 only, that is, in a way we can say that under this offer, if you buy one ticket, you get another ticket free. This benefit is very good for those people who are fond of watching movies.

Concierge Services:

Apart from this, 24/7 Concierge service of ICICI Bank is also provided to you on this credit card, which includes the following services.

• Restaurant referral and reservation
• Flower and gift assistance
• Hotel referral and reservation
• Flight referral and reservation
• Car rental and limousine service
• Booking and delivery of movie tickets
• Medical concierge privileges
• Emergency auto assistance across India

Insurance Benefits:

Now, like other credit cards, you get a very long list of insurance in this ICICI Sapphiro credit card too, but we believe that it is better if you ignore these insurance benefits because when it comes to actually claiming these insurances, so many terms and conditions have to be fulfilled to avail them that in the end the customer does not avail them. Still, now ICICI Bank has mentioned these insurances on the page of this credit card, so we show you the complete list of them below –

Fee And Charges ICICI Sapphiro credit card:

You get ICICI Sapphiro credit card with a joining fee of Rs 6500 and an annual fee of Rs 3500, but you have to pay this annual fee from the second year onwards. And if you spend ₹ 6 lakh or more on this credit card in a year, then your annual fee is also waived off. Apart from this, you can see the list of some more important fees and charges below –

Final Words:

One advantage of this credit card is that you get good welcome benefits in it, but the disadvantage of welcome benefits is that you can use them only once. Apart from this, you get membership of Dreamfolks in which you get two international lounge access and two domestic SPA Sessions whose value is 99 USD. But their benefit is only when you travel internationally.

Secondly, if you look at the joining and annual fees of this credit card, it is quite high as per its features. If you do not spend Rs 6 lakh in a year with this credit card, then you will also have to pay an annual fee of Rs 3500. Now if we look overall, the features given to you in this credit card are good but as per its joining and annual fees, it is very less.