ICICI Emirates Skywards Sapphiro Credit Card
ICICI Bank
Last updated: Feb 03, 2026
₹5,000
₹5,000
3.5%
10 visits/yr
Contents
A premium co-branded travel card for frequent flyers. Earn accelerated Emirates Skywards Miles on travel, lifestyle and daily spends. Comes with complimentary Skywards membership tiers, airport lounge access and travel protections.
Features of ICICI Emirates Skywards Sapphiro Credit Card which makes it unique
Skywards Membership
Complimentary Emirates Skywards membership benefits on card activation
Start earning Miles immediately
Better for frequent Emirates flyers
Partner Redemptions
Convert Skywards Miles for flights, upgrades and partner redemptions
Flexible redemption options
Direct airline redemptions through Skywards
Rewards Structure of ICICI Emirates Skywards Sapphiro Credit Card
Milestones of ICICI Emirates Skywards Sapphiro Credit Card
Annual Spend Reward
₹1,00,000 : Bonus Skywards Miles or renewal offers as per bank promotion
High Spender Reward
₹5,00,000 : Enhanced Skywards membership tier benefits (subject to bank rules)
Fees & Charges of ICICI Emirates Skywards Sapphiro Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹5,000 |
| Annual Fee | ₹5,000 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 3.75% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 4% |
Renewal Conditions:Annual fee may be waived or reversed on meeting specified annual spend as per bank T&Cs.
Fee Explanation Standard bank rates and charges apply. Refer to ICICI Bank terms and conditions for exact applicability.
Detailed Explanation of ICICI Emirates Skywards Sapphiro Credit Card Fees
Joining Fee: ₹5,000 + GST (one-time)
Payable at card issuance; offers may apply to waive on promotional terms.
Annual Fee: ₹5,000 + GST (yearly)
Waiver/credit subject to bank's annual spend criteria.
Cash Advance / ATM Withdrawal: 3.75% (transaction)
As per bank T&Cs; finance charges apply from date of withdrawal.
Lounge Access Benefits with ICICI Emirates Skywards Sapphiro Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Complimentary domestic lounge access subject to activation and spend criteria.
international Lounges
silverVisits per year: 2
Guest access: Yes
Two complimentary international lounge visits per year (terms apply).
Insurance Coverage with ICICI Emirates Skywards Sapphiro Credit Card
travel insurance
₹10,00,000Valid for international trips when travel booked using the card (terms apply).
purchase protection
₹50,000Protection for eligible purchases within specified time window.
Additional Features of ICICI Emirates Skywards Sapphiro Credit Card
Contactless Payments
Tap and pay enabled for quick checkout
Add-on Cards
Add-on cards available as per bank policy
Limits and charges as per ICICI Bank rules.
Welcome Bonus with ICICI Emirates Skywards Sapphiro Credit Card
Welcome Bonus: 5,000 Emirates Skywards Miles
Bonus Conditions: Complimentary 5,000 Skywards Miles and Emirates Skywards Silver membership on payment of first-year fee (conditions apply).
Application Process for ICICI Emirates Skywards Sapphiro Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via ICICI Bank portal or partner channels
Upload KYC documents
Receive verification call
Card dispatched within 5-7 business days
Required Documents for ICICI Emirates Skywards Sapphiro Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
ICICI Emirates Skywards Sapphiro Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for ICICI Emirates Skywards Sapphiro Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have valid PAN and Aadhaar; additional KYC as required by the bank.
How Approval Is Decided
- Minimum income ₹30,000/month
- Indian resident
- Credit score above 700
Pros of ICICI Emirates Skywards Sapphiro Credit Card
- Strong Skywards Miles earn on airline spends
- Complimentary Skywards membership
- Useful lounge benefits for frequent travellers
Cons of ICICI Emirates Skywards Sapphiro Credit Card
- High joining and annual fees
- Benefits best suited to Emirates flyers
Frequently Asked Questions about ICICI Emirates Skywards Sapphiro Credit Card
Is there a joining fee?
Yes. The joining fee is ₹5,000 plus GST (offers may vary).
What is the welcome bonus?
Complimentary 5,000 Skywards Miles on payment of the first-year fee, subject to terms.
How many Skywards Miles do I earn on Emirates transactions?
Emirates and select airline transactions earn the highest Miles (typically 6 Skywards Miles per ₹100 subject to T&Cs).
Is lounge access included?
Yes. The card includes complimentary domestic and limited international lounge visits per year as per bank terms.
How do I redeem Skywards Miles?
Skywards Miles can be redeemed for Emirates flights, upgrades and partner redemptions via Emirates Skywards and ICICI’s redemption portal.
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